I have been working backwards through the posts trying to piece together your story about acquiring your new AMEX Green Card. Looks like maybe some of the posts are no longer here. Will you please summarize again? From what I've gathered you had some kind of AMEX checking acct (?). You then manage to talk to a rep who advised you to pay off an AMEX charge-off (?). After paying the debt you got approved for the unsecured card(?). I see your post outlining your credit at the time you applied howver I can't find the post that lead to someone asking had you heard from AMEX yet. I too have an AMEX charge-off but it's over 7 yrs old and no longer on my credit. I called them and they said I owed $2000 but I could apply for the secured Optima. Please re-cap your success. Thanks a million.