Amex Credit Card Complaint

Amex Credit card department,

Credit determination California

On -/-/- I responded to a pre-selected application for an American Express credit card. I received a letter from American Express dated -/-/- that informed me that my application could not approved as American Express had cancelled previous accounts. The letter further indicated that I was welcome to submit another application at a later date. The cancelled account to which American Express referenced was in -/-/- and since that time I have paid all of my credit obligations on time and have a FICO credit score of -. I responded with a letter dated -/-/- in which I requested a copy of the company credit card policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. American Express replied with a form letter dated -/-/- that failed to address my request for the company credit review policy. The letter simply re-stated the reason my application was declined. I responded with a letter dated -/-/- specifically requesting a copy of the American Express credit review policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. I wanted


company credit review policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. I will accept the American Express decision to decline my application if the credit review policy indicates the period of time after an account has been cancelled is eleven years or more, since my account was cancelled ten years and ten months ago. The credit review process should be the same for all applicants regardless of age, race or religion and without providing a copy of the credit review policy it is impossible to ascertain that the policy is being uniformly and equitably applied. American Express in every letter indicated that a new application could be submitted at a later date but without indicating the period of time a new application could be submitted to receive favorable consideration the company may be using this as a method of surreptitious discrimination.