Last updated: March 11, 2019
Estimated reading time: 1 min

Speak: You may be eligible to participate in a special program from American Express in which you may qualify for an Optima credit card.
The program is simple. American Express would like to provide you with the opportunity to re-establish a relationship with them if you pay off your Credit Card in full.

Instruction:Wait for the response. If consumer does agrees then proceed with disclosure

Speak: After your payment has cleared, American Express will send you an application for an American Express Optima Card with a credit line of $ xxxx.

You will need to fill out the form and send it to American Express within 30 days of the date on the letter.

Your application will be approved unless you have filed for bankruptcy, have accepted an offer from another Agency or from American Express for another Optima Card account, have an existing open American Express account, or American Express determines that you do not have the financial capacity to make the minimum payment on the new Optima Card account.

As required by federal regulation for any application when you apply, American Express will evaluate your ability to take on additional debt based on your income and other financial resources in relation to your debt obligations at the time.

If you received this offer with respect to any of your other accounts, please note that American Express will only be able to approve one Optima Card application.

If you submit multiple Optima Card applications, American Express will consider such applications in the order they are received.

Instruction: If Customer says no – do not give disclosure, proceed with negotiation

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