AMEX green card invitation

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Hello all,

This is my first post here, but I've been reading these forums for almost six months now. Like too many people, my husband and I pretty much ignored our credit until we needed it. We paid most of our bills on time, and those we didn't were never 30 days late. We had two credit cards we paid on time faithfully for years. However, we also had two small medical bills we somehow missed that went to collections. Then, last year I did something really dumb. We had owed our largest cc, BoA, over $10k, but made timely payments of slightly over the minimum each month. Sadly, we couldn't do much more than this because I had lost my job and we have been surviving ever since on my husband's paycheck. However, when we unexpectedly came into some extra money, we immediately paid the BoA card down to only $600, with the intent to pay that $600 off over the following two months.

If only we had.

BoA closed our account literally 2 days after that huge payment. No notice, no explanation, just closed the next time I logged in. I tried to make a payment on that $600, and it wouldn't let me. I should have immediately called them and arranged for payments (we had gone paperless years before, and I had no bill handy). I did not. I was angry, and it was only $600, and...the point being, it went to BoA's collections department, and then I stupidly paid the balance when the collections person called without asking for any kind of agreement to remove the negative reporting. The result is a big black CO on our credit report. We've tried to dispute it, to no avail. I have noe sent a GW email and was contacted just today by a nice gentleman who listened to me and promises to dig deeper into our situation, but honestly he didn't sound hopeful that they would tulimately remove anything. The upshot is, we didn't pay, so they were correct in their reporting.

Anyway, we have been trying to rebuild our credit for the past several months. Those two collections have been paid. Our remaining cc (a Chase Rewards CL: $1500) has been paid down. We are striving to pay all of our bills early, but I have a feeling that CO is going to haunt us for the next 6 years. We just refinanced our home fora new 30 year, low interest mortgage, so really, the only thing that score will affect is our future auto loans, and cc's.

We have learned our lesson. No more ignoring credit, and certainly no more bad decisions with paying debt. I'm still angry that BoA closed our account after a "random review", but we did much worse damage ourselves when we did not immediately pay the remaining $600.

After all of that, here is the situation:

From the home refi, we know that my current median FICO credit score is 627, while my husband's is 640 (I don't remember which company does the middle score.) Our goal is to get our credit over 700. We also have a new cc goal: getting a Delta AMEX card. My husband flies to Japan every year for three weeks. He has now decided he wants to fly business, as it is a long and uncomfortable flight that he has been making for 11 years now. His small side business supported the purchase of a business-class direct flight from Portland to Japan this year via Delta (they are the only direct flight from Portland), but the agent informed us that with our miles, we could buy his ticket earlier this next year, pay for coach, and use miles to upgrade. She also recommended the Delta AMEX card, because of the perks it will offer him, and the bonus miles to us would be very valuable. So, our goal is to get one, however I know our scores are not good enough right now.

That being said, today my husband received an offer in the mail for an AMEX green card, and "invitation to apply" with an RSVP #. Is this something we should consider? What are our chances of being approved? Can we later change that card to a Delta Skymiles card? Should we just wait and try to raise our scores futher and then apply directly for the Skymiles?

Also, how much will that CO affect our chances with AMEX? How likely are we to get our scores over 700 while it remains on their for the next (presumably) 6 years?

I have already had my eyes opened so much just by reading these forums, so thank you to everyone who have paved the way, and are willing to help others.

LS29822013-04-18 16:54


suliabryon wrote:

Hello all,

This is my first post here, but I've been reading these forums for almost six months now. Like too many people, my husband and I pretty much ignored our credit until we needed it. We paid most of our bills on time, and those we didn't were never 30 days late. We had two credit cards we paid on time faithfully for years. However, we also had two small medical bills we somehow missed that went to collections. Then, last year I did something really dumb. We had owed our largest cc, BoA, over $10k, but made timely payments of slightly over the minimum each month. Sadly, we couldn't do much more than this because I had lost my job and we have been surviving ever since on my husband's paycheck. However, when we unexpectedly came into some extra money, we immediately paid the BoA card down to only $600, with the intent to pay that $600 off over the following two months.

If only we had.

BoA closed our account literally 2 days after that huge payment. No notice, no explanation, just closed the next time I logged in. I tried to make a payment on that $600, and it wouldn't let me. I should have immediately called them and arranged for payments (we had gone paperless years before, and I had no bill handy). I did not. I was angry, and it was only $600, and...the point being, it went to BoA's collections department, and then I stupidly paid the balance when the collections person called without asking for any kind of agreement to remove the negative reporting. The result is a big black CO on our credit report. We've tried to dispute it, to no avail. I have noe sent a GW email and was contacted just today by a nice gentleman who listened to me and promises to dig deeper into our situation, but honestly he didn't sound hopeful that they would tulimately remove anything. The upshot is, we didn't pay, so they were correct in their reporting.

Anyway, we have been trying to rebuild our credit for the past several months. Those two collections have been paid. Our remaining cc (a Chase Rewards CL: $1500) has been paid down. We are striving to pay all of our bills early, but I have a feeling that CO is going to haunt us for the next 6 years. We just refinanced our home fora new 30 year, low interest mortgage, so really, the only thing that score will affect is our future auto loans, and cc's.

We have learned our lesson. No more ignoring credit, and certainly no more bad decisions with paying debt. I'm still angry that BoA closed our account after a "random review", but we did much worse damage ourselves when we did not immediately pay the remaining $600.

After all of that, here is the situation:

From the home refi, we know that my current median FICO credit score is 627, while my husband's is 640 (I don't remember which company does the middle score.) Our goal is to get our credit over 700. We also have a new cc goal: getting a Delta AMEX card. My husband flies to Japan every year for three weeks. He has now decided he wants to fly business, as it is a long and uncomfortable flight that he has been making for 11 years now. His small side business supported the purchase of a business-class direct flight from Portland to Japan this year via Delta (they are the only direct flight from Portland), but the agent informed us that with our miles, we could buy his ticket earlier this next year, pay for coach, and use miles to upgrade. She also recommended the Delta AMEX card, because of the perks it will offer him, and the bonus miles to us would be very valuable. So, our goal is to get one, however I know our scores are not good enough right now.

That being said, today my husband received an offer in the mail for an AMEX green card, and "invitation to apply" with an RSVP #. Is this something we should consider? What are our chances of being approved? Can we later change that card to a Delta Skymiles card? Should we just wait and try to raise our scores futher and then apply directly for the Skymiles?

Also, how much will that CO affect our chances with AMEX? How likely are we to get our scores over 700 while it remains on their for the next (presumably) 6 years?

I have already had my eyes opened so much just by reading these forums, so thank you to everyone who have paved the way, and are willing to help others.



Welcome to the forums!!!!

I need more info. to be able to help you:

-Where did you get your scores from?? (seen median FICO, did they give you an individual EX score?)

-What current CC's do you have?? (see Chase, how long has it been open??)

-What does his EX file look like?? (INQ's, baddies, AAOA)

frugalQ2013-04-18 17:03

In 2011, I received an invite to apply for Amex green. I applied and was denied because of a $75 collection that posted to my CR 1 month before...had no idea it had posted.

I paid the collection and the company deleted from my file (without me asking). 10 months later, I applied for Amex green without an invite and was approved.

I know its not exactly your situation, but i hope this helps.

suliabryon2013-04-18 17:11

Hi, and thanks!

- Yes, the median FICO was the individual Experian score, (627 and 640 respectively for me and my husband) ie, even though they pull from all three reporting agencies, the one with the "middle" score is the one they use. I can probably get a copy of the report from our refi guy (it may even be in the huge pile of paperwork we have from the refi).

- Just the Chase Card, been open since 2005. The last time we had a late payment was September of 2011, and after that I signed up for e-mail reminders and it's been early payments ever since. $1500 CL, currently has $700 on it, and we're paying that down.

- EX file? What is this and how would I find this out?

thanks AMEX green card invitation

suliabryon2013-04-18 17:16

Thanks, frugal. Hmm, well, I now know it's not a true credit report, but FreeScore hasn't reported any new activity on our credit for the past month, and the invitation came today...

LS29822013-04-18 17:16


suliabryon wrote:

Hi, and thanks!

- Yes, the median FICO was the individual Experian score, (627 and 640 respectively for me and my husband) ie, even though they pull from all three reporting agencies, the one with the "middle" score is the one they use. I can probably get a copy of the report from our refi guy (it may even be in the huge pile of paperwork we have from the refi).

- Just the Chase Card, been open since 2005. The last time we had a late payment was September of 2011, and after that I signed up for e-mail reminders and it's been early payments ever since. $1500 CL, currently has $700 on it, and we're paying that down.

- EX file? What is this and how would I find this out?

thanks AMEX green card invitation



EX file means Experian file.

You have good history on a CC but that late may haunt you. Also the balance is too high you should get it down to around $100.

I would say your very borderline for approval. They may pull other reports along with EX. IMO I would wait 6 months and let that late age further, pay down the Chase debt then go for it!!

Richierichdollar2013-04-18 17:19

I read this then read it again and I still dont know whey the hell they closed your account if you could pay off 10k even over time why would they not keep the account open and make more money off of you. I dont like boa they denied my for a secured card. I mean come on I am putting up the money for christ sake. Funny thing is that right after that I got approve for 2 other cards about 2-3 months after. I say get them to get it of your cr and then tell them to kiss your ass from now on and never give them a cent of your money from now on.

suliabryon2013-04-18 17:37

LS2982 - Great, thank you for the advice. AMEX green card invitation
We are hoping to be able to get the Delta Skymiles card around October/November and use it to purchase his plane ticket for next year's trip (he goes in June). So 6 months is a perfect timeline. I was thinking about joining the Fico score tracker thing on this site to keep track of the two scores it will check, but how do I get the Experian file?

Richierich - I know, right? We were shocked! When I did talk to them (when we paid that last balance) and asked why they closed it after so many years, the guy I was talking to looked at our account and said it was randomly flagged for review, and whoever reviewed it made the decision, and "it wouldn't necessarily be the decision I would have made looking at your history with us". Yeah, too bad. Anyway, then he asked me where we got the money to pay off that $10,000 balance. I told him it was money we took from our savings (some of it was, and some of it was money I was paid for a custom wedding set, I design and sell jewelry, but it isn't s steady income.) I really thought it was none of their business where the money came from. It was cash paid on the debt we owed them, what the heck do they care? Anyway, I will be thrilled if we can get them to remove it from our CR, but you bet I will never bank with them again.

LS29822013-04-18 17:48


suliabryon wrote:

LS2982 - Great, thank you for the advice. AMEX green card invitation
We are hoping to be able to get the Delta Skymiles card around October/November and use it to purchase his plane ticket for next year's trip (he goes in June). So 6 months is a perfect timeline. I would go for the Green 1st if approved immediately app for the Delta card. It should be 2 apps on one HP.  I was thinking about joining the Fico score tracker thing on this site to keep track of the two scores it will check, I would definitely recommend it its a great service and I personally love the alerts and score change notifications! but how do I get the Experian file? Unfortunately EX FICO's have not been available for public purchase since 2009. The only ways to get it are though a CU in PA (free monthly), AMEX denials and mortgage apps.

Richierich - I know, right? We were shocked! When I did talk to them (when we paid that last balance) and asked why they closed it after so many years, the guy I was talking to looked at our account and said it was randomly flagged for review, and whoever reviewed it made the decision, and "it wouldn't necessarily be the decision I would have made looking at your history with us". Yeah, too bad. Anyway, then he asked me where we got the money to pay off that $10,000 balance. I told him it was money we took from our savings (some of it was, and some of it was money I was paid for a custom wedding set, I design and sell jewelry, but it isn't s steady income.) I really thought it was none of their business where the money came from. It was cash paid on the debt we owed them, what the heck do they care? Anyway, I will be thrilled if we can get them to remove it from our CR, but you bet I will never bank with them again.


Ron12013-04-18 18:13

Invitation doesn't mean you automatically got approved for the card. They still need to pull your credit for the credit decision. Sometimes, they pull all three for pre-approval. I think Amex Green is easiest to get approved.

Good luck if you decided to apply for the card. Amex is one of the best card.

Ron.