American Express and Discover after bankruptcy

[Anonymous]

I took a chance and applied after reading this article. I was approved, surprisingly. It really feels like a victory as I hit AMEX pretty hard in the BK from 2008.

Thanks for this thread! One more year till the chapter7 falls off the report.

[Anonymous]

Congrats!!

[Anonymous]

Super Congratulations!!

[Anonymous]

Congrats Mike

[Scupra]

---

@Anonymous wrote:

I took a chance and applied after reading this article. I was approved, surprisingly. It really feels like a victory as I hit AMEX pretty hard in the BK from 2008.

Thanks for this thread! One more year till the chapter7 falls off the report.

---

Welcome to myFICO and congrats!!

[Anonymous]

I did the same thing as well.  My Bankruptcy was discharged April 2012.  I had applied to Amex a couple of times before (2015 & 2016) and got denied, but something told me to google if anybody was getting approved with a bankruptcy on their CR.  So I applied and got approved for $11.7k on the blue cash.

[Guyatthebeach]

Congraulations on getting in the American Express and Discover.

My bankruptcy was discharged in Feb 2012 and I got approved for an Amex in Dec 2017.  It started with 2000 and it's now 3900.  

To me it's the sign I have recovered from my bankruptcy.

Guyatthebeach

[mavric]

  Congratulations

  DW and I both got back in with AMX  2 months after discharged 3/1/17  ,  Ch 13 ,so 5 years and 2 months. 

 Just remenber American Express WILL NOT give out any credit line increases Until  your BK is gone from your credit report.

[Anonymous]

American Express put a wrongful 30-day late on my Experian credit report two months before I applied and was approved for the Delta Skymiles Platinum (and it was still there when I applied).

For those who might say AMEX didn't do a softpull with that information, it was indicated on my latest AMEX SP too, so it would have affected the approval. 

Bankruptcies are obviously worse for a credit report, but I was amazed that they'd approve me for a new card with such a fresh 30-day late on my report, and from them of all lenders. On a positive note, the 30-day was removed a week or two ago. 

[rottiesworld]

Congrats on your new Cards. I have a bankruptcy which will be 8 years old in April. I did a pre quilify and it said that i would be able to get the everyday blue American Express card. I went ahead and applied but was scared as so many people said that you can't get one with a bankruptcy on your credit report,but it said that i could, so I figured what the hell and applied. I have a 700 credit score, and I was surprised and was approved with a $1,000.00 credit limit. I was not happy with the credit limit but at least i'm in the door and got my first card.