American Express Credit Card Complaint

Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 12:49 am
Post subject: AmEx credit union payment posting problem

Jenny Arnold
Date: 7/22/2000 10:22 am CDT

I use to relly like Amrican Express but my credit union did not post
payments or deposits into my account and a returned check cost me 58$
with AMeX and thenthey cancelled my account after chargin me the $58
dollars that is what makes me mad eithe charge me or cancell the account
but to do both is their right but it seems such a strong arm tactic
guess I better change credit cards have and credit unions

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Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 12:49 am

Mike Ramsey
Date: 7/23/2000 6:08 pm CDT

I would like to know if I am qualified for an American Express Card, based on the fact that I was discharged from bankruptcy some 12 years ago.
Does anyone know about American Express Internal Standard? How long they keep a negative record in thir files? I have a very good credit right now, and my Credit Report is also clear. Thank you.

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Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Thu Jan 13, 2005 12:49 am

Board Monitor - CA
Date: 7/25/2000 3:07 am CDT

Mike,

I am not sure about AmEx's internal approval guidelines (maybe someone else can shed some light on this), but I don't think you would have any problem at least being approved for the secured Optima card. Please be advised, though, that this card does NOT report to the major credit bureaus (you can find more info. regarding this card on thd "Poor Credit" section of our site). If you use the secured Optima card responsibly, then AmEx will consider granting you unsecured status after 12 months.

Hope this helps!

Regards,
Curtis Arnold
PR Director
CardRatings.org

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