Wednesday, April 18, 2012
American Express credit card help?
Today I tried to use my AMEX at Lowe's and it was declined, I immediately called AMEX, and they told me my account had been closed. They said from time to time they review cardholders credit history and based on mine, they decided to close my account. They based it from Experian, they said I had too many inquires, and using over 80% of my available credit. I said this info isn't correct and I was told I would have to talk to Experian. When I got home I check my credit report for Experian, I have a score of 723, im using 42% percent of my credit, and I have two inquires in the past 12 months, tommorow that will change to 1. I called AMEX Again and told them: what they are saying about my Experian history, and what i see on my experian history are two completely different things. The woman told me two wait 30 days, they will get automatic update from experian, and ask to have my account reinstated. But the woman I spoke to before said they don't reinstate accounts for this type of closure. So my question is how do I fight this? I mean I call the number on the back of my card, and the people are no help. So my account was closed for a reason that isn't even valid. I have a $2000 line with $586 on it, I have never missed a payment, never late, always pay significantly more that the minimum. I have had the card a year and a half. Any suggestions?.
Subscribe to:
Post Comments (Atom)
0 comments:
Post a Comment