Today I received a "pre-approved" offer for a Gold Delta Skymiles Credit Card. Since I fly Delta quite often and the annual fee is waived for the first year I'd like the 10,000 miles that comes with the card. My problem is I did have a charge off with Amex in 1985. Should I accept the offer or assume Amex never forgets. Thnx mark
AmEx never forgets... ... but they will forgive if you pay in full what you owe them. They will approve you one year after payment or, if you get a nice analyst, they will approve you on the spot after the payment posts.
I'm still hoping to discover some obscure Amex computer located in a closet somewhere in Bora Bora that doesn't know anything about their 17 year old blacklist. That's the card I'd apply for!
