So I had an American Express Blue card from 5 years ago that I let go delinquent in 2003 ... they charged it off in 2004 and really did not put any collection into it ... I didn't get collection letters or calls, and they didn't sell it.
When I got myself back on track this year, I figured since they were patient enough not to hound me for it that I would pay them off first, before I tackled my other credit cards.
I called them in October and said I wanted to take care of my balance. The guy said because I was a valued customer and took care of my responsibility, that I was pre-approved for an American Express Optima card. It made my laugh a little and I asked the guy if he was serious; I halfway thought it was a ploy just to get me to follow through with my payoff. He said "yes I'm not kidding." So I said "well we all know how those pre-approvals work... I'll fill out the application and then once you check my credit you'll change your mind." He said they wouldn't even check my credit...
So a few weeks went by. Today a lady from American Express called; asked if I got the application, had any questions, and was I interested in applying? I told her I never got it; she read back my address and they had the wrong city and zip code. She said "I've updated the records and we will mail you another one... you really should sign up for it."
I'm thinking if this is real, it might be a good start to get my credit back on track.
But i'm just wondering why they're so anxious to get me to apply for it? They put more effort into this then they did collecting my old card.... I've never had a credit card call to see if you got their application.
Does anyone have experience with an American Express Optima card? Are there hidden fees? I'm just thinking this is a little too good to be true.
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