Originally Posted by
Often1
Stop calling & writing Amex. Your communications all wind up in the same CRM database. The only thing that paying for certified mail does is cut the USPS deficit.
Do spend some time getting that credit score fixed. If indeed the only negatives are those three returned payments, your score ought to be way above 700. So, pull your credit reports and see what is on there and then challenge the returned payments for the reasons you have listed above if they really are reflected.
As it stands, there is no inconsistency between Amex's original statement that it would reinstate and the later decision to decline your card for poor credit.
if nothing is wrong with the OPs credit report and 20+ years of on-time payments ... credit scores should be way above 700. Amex will probably not issue a platinum card with only a 700 score, that's not where they'd like to see their premium customers. The forced closing by Amex will further impact the credit score; trying to get this resolved is very important.