I had an AMEX Optima card that was charged-off for $800 in 1998. I paid it off and the account rating was changed to an R1 and there is no indication on my credit reports that this account was ever in bad shape. I'm wondering though, do you think I could get AMEX to re-open the account? It was one of my first cards so the limit was only $500 (most I have now are over $3000), but I really really want to get my foot back in the AMEX door and rebuild my relationship with them. Anyone think this might be a possibility? Thanks.
They won't reopen the account, but if you paid everything you owed them (not a settlement amount, but paid in full) you will be able to get another Amex card if your credit meets their standard requirements.
