OK, I've been trying to apply for a CC and I applied at AMEX website...now...I was declined...at first because I've never had a cc and that was about it. I've never had use for one as ever since I was 16, if I didn't have the cash to buy something, I didn't buy it or until I got a check card, I had no use for a CC. Now I'm trying to build credit and Ii got the rejection letter from AMEX. I don't qualify for the following reasons: Account(s) not paid as agreed Number of accouns deliquent Lack of recent information on revolving accounts Length of time accounts have been established. I can sort of understand the last...but the first three threw me for a loop... The only cc I ever had for any amount of time was a backup cc I had on my first checking account. I had originally cancelled it and applied my savings for overdraft protection, but BoA fucked up and didn't so I overdrew once and it applied to the CC instead of my savings and I didn't know until 2 months later when I got a statement for the CC balance. I got it resolved and paid immediately and that was the end of that. Beyond that...I have no clue... I had cable payments while in college that I'd occasionally miss but follow up in the month after. I've had a cell phone bill for the past 4-5 months or so and I've paid those damn near perfectly. So...wtf...I don't get it.