Well thank to God I have never experienced an identity theft, but my credit card was stolen once. I get to know about it soon enough and closed it before someone could have taken advantage of it.

I'll have to message you for this one lol

u caught the blow

Meya, are those 2 smilies on the bottom who I think they are? lol

hey hjm331 i got your back two

You have been forgiven, and you know it lil bro.

You mean the guy that chased off Pogy? I wish I knew his name.
As far as the rest of you if you never had an American Express Card, you for sure will be able to get one in the future if your credit cleans up and your scores are high enough. That is 75% of what we go by. Your zip code will decide your fate though. If you have excellent credit but live in a flagged area you will still be declined.

Justin, why do you wish you knew my name? So you wouldn't ever accept my application for an AMEX. And as far as mine and Porgy's situation goes, I didn't do anything wrong, I was acting the way he was. Yes I know I violated the FG rules and I apologize for that, but I can't stand someone that criticizes us good people and treats us like we're criminals just because we are trying to do the right thing. Everyone here at FG had my back since day one, and I won't let them down. PLEASE refrain from criticizing us. Instead of criticizing us, why can't you be helpful and give us some tips on how to get an AMEX card. Mike, Meya, Pamela2, and I are all working hard so we can help newcomers that we are once situated in. I'm sorry if I broke the FG rules again in this comment, but we just need to clear things up here because this isn't a place of criticization, it's the complete opposite.

All I know is when I put a good application through the computer it sometimes will reject it based on the zip plus four zip code. I really have no idea how it figures that out though. It happens, not often, but it does happen. I would say in 1 out of 4 applications.

Your zip code will decide your fate though. If you have excellent credit but live in a flagged area you will still be declined.

That is not necesarily true. My co worker lived in housing projects when she received her first amex. I do hear people talk about how zip codes makes a big difference and I do believe it myself, but a lot of companies are missing the good ones when they pass up "flagged" areas. It's the ones with large income that they need to worry about. It should be a law against that becasue it sounds like discrimination to me. Listening to you makes me think twice about amex.

Well guess what? Hjm331, Pamela2, and I never messed over amex. Think you can hook us up? We are sort of dying in here for one.

I can not speak for Capital One. I work for American Express and we are a one strike company. If you ever default with us you can never get another card with us no matter how many years go by. We always cross check social security numbers, DOB etc.

Trust me, Cap1 knows exactly what they are doing. They are not dummies by a long shot. I have been with cap1 for a few years now and they have not raised anything on me but credit limits. Cap 1 does not raise your apr's simply becasue you made a late payment (2 within one year), defaulted with another creditor, or went over the limit. If you simply messed up 3 times in one year, then that is a different story. Maybe the person here defaulted more than twice, or cap1 realized that they already defaulted with them a long time ago. I think that is how they recap their lost funds. Unitl then, I have not paid for anyones mistake as of yet. I heard Porgy mention this (about how banks makes others pay) but it has not affected me yet. Has anyone else here been affected by increase of apr? Please come forward if so.

I am not saying that there is not actual fraud out there. Take the person who posted today about their new Capital One card. They never paid C1 5 years ago and C1 charged them off. That is still on his/her credit report. Now they go and apply for a new Capital One card, and today it comes in the mail. Capital One deserves what they get but actually you will pay more in the future to Capital One card if you have one when that person defaults again. I read on here that peoples interest was raised by C1 for no reason. Now you have your reason. You have to pay for the deadbeats.

I work for American Express. I am a credit analyst at the Ft Lauderdale operations center. I am one of the people who approves or declines applications. So this information is not off the cuff.

This is just another ploy by the deadbeats who say it is not them when it really is

I don't think this is a valid point Justin, that is why there is a such thing as fraud. Of course some dishonest person will do something like this but what about the ones who finds discrepencies on their reports? I have had the same thing done to me, I am not a deadbeat, so therefore when someone posts this horrible incident, it does not necessarily means they are telling a deadbeat story. I hope there is justice to clear this up.
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Write the company (creditor) and ask them to verify that it is you, if they can't do it within 30 days, they have to take it off. Then you have the AG (Attorney General) that you can go through also. I had that company on my credit report for a few sold accounts, but they are gone now. How long has the cc been on your report?
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