I recently cleared all my credit card accounts and applied for the green card. Aquiring this card would mark the completion of stage II of my credit rebuild program that started two years ago. I called a few days later to check on it and was told it was declined. The reasons given were the usual assortment that don't apply to me. I was in a playful mood, so I inquired further with them, and the third person I spoke with was a Sr. Customer Service rep. He asked "so what is it you'd like to tell me?" I went on about the fact that I refinanced a car 6 mos. ago only to total it two months later. I told him about "consolidating my credit lines to get rid of the 'beer money' cards." I told him that I had 10 open lines because I was trying to build additional history. This is the reason that I have so many inquiries and new accounts on my report. I pointed out that I had very little balance on any of my cards, and that I used them to cover my monthly expenditures. This is why I thought an AMEX card would be so useful He noticed that I had 0 lates in 58 months of history. Not once was my previous account mentioned, or obviously factored in. He then said "Well, sir, you look like the kind of customer we'd like to have here at AMEX, I'm going to override the computer's decision" I was amazed. For those of you that remember my earlier post asking how best to proceed to improve my credit picture, I was recently approved for a $5K Discover Platinum. It has not shown up in my credit report yet. I have closed two of the sub-prime accounts, and plan to close another 3 over the next few months. I received my first department store pre-approval letter today (Spiegel's). My low (30%) credit in use was reflected in the credit reports the 10th of last month. For consideration: Although I am not getting approved for any prime card application I submit, Discover did approve the platinum card from the "invitiation" with 2.9% despite the inquiries, recent new accounts, and balances on 8 of 10 accounts. 4 inquires last 6 months, 12 total when I applied. $3.5K balance of $12K available when I applied. I'm gonna sit and let the inquiries fall off for another 6 months or so unless I get a solid pre-approved offer.