Originally Posted by
cfischer
26 years of Amex membership, no missed payments etc. etc. ... and your credit score is only 700? Something else you are not telling us here? That doesn't sound right. Also, you could you miss that that 3 Amex payments failed? I assume they would let you know asap (never happened to me, but they email about pretty much everything else all the time)
Obviously, we don't have the full details but a 700 could mean anything from high utilization on more than one account without having missed a payment or perhaps the OP's significant other forgot to make a payment for 90 days on a joint account. Even a son/daughter for whom the OP co-signed a loan and that person played games with the creditor. The possibilities are endless but even still 700 is still considered a good score just not for AMEX where the Platinum card is concerned.
I know that AMEX regularly looks at my credit report so this may just be a case of they were looking for a reason to cut the OP loose and this just happened to be it. I would have preferred to read that they gave the OP an opportunity to transfer his MR points out before cancelling his account, though, as that is concerning from a customer viewpoint.