I understand from reading other posts that Amex has a long, long memory. My question is: does their memory apply to all of their card products or is there an Amex card whose approval process has amnesia?
Yes, but the core question is: does their memory apply to ALL Amex cards or do they have a card(s) like SkyMiles, etc. that doesn't access their long memory database for approval?
Re: Re: Amex's Memory I SAID THEY NEVER FORGET Why would they REMEMBER on card and FORGET on another???
Re: Re: Amex's Memory American Express has multiple card products. Some their own, and some through affiliate programs (as you know). It is entirely feasible that there is more than one database used during approval processes, and therefore their memory may be selective. Wouldn't it be nice for readers of the forum to know that if, for example, they screwed up on a green card years ago, and SOL has kicked in, that they may still qualify for, say, a Blue card because the approval process for Blue cards uses a separate and distinct database?
Re: Re: Amex's Memory I agree, Amex never forgets. If someone was able to get a card and still owed Amex, it would be a fluke. A friend had a Gold Amex card over 10 years before applying for the Blue card. She still owed a balance on the Gold card. Of course the application was not approved, but when she paid the balance, a analyst approved the application on the spot when their system showed the payment was received. Her credit was excellent when applying for the Blue card. Although Amex does not forget, they are probably one of the most forgiving creditors (providing someone has good credit when applying again).
Re: Re: Amex's Memory I disagree completely that AMEX is one of the 'most forgiving' creditors. In my experience and what I hear from others, a delinquent or charge-off/closed AMEX is the hardest item to remove from a credit file. (this includes active bankruptcies, which I have removed more easily than AMEX trade lines). They basically have some verification method where they call back the CRA's to verify the info. They suck. I even once had an AMEX card that required a deposit. I never paid, and they kept my deposit to cover the charges. This account is listed as a 'paid charge 0ff' on my files and I have had no luck removing it in any way over the past three years. They also pin cardholders down that were corporate cardholders whose companies went out of business due to bankruptcy, under the shield of their 'cardholder agreement bs'. I have a pending lawsuit against them right now for failing to validate a corporate card debt, and generally refusing to do anything about irroneous info they keep verifying with the CRA's.
Re: Re: Re: Amex's Memory I've had 2 amex green and gold closed by amex. Both closed because of payment problems but were not charged off and they still gave me another one after purchasing my house. It seemed to me at that time that the home puchasing event triggered a rash of credit card invitations to accept pre-approved c cards including amex. If I had applied on my own I may have been denied.
