Well...
We filed CH13 3/2012, discharged 3/2016 (4-year repayment plan)
As of today, my EX has 2 HP, one if 14 months old, one 10 months old.
Have a score of 673 via myfico.
Pre-approved for BCE and PRG in April (I checked monthly)
Pre-Approval showed a 17% apr...
Wanted the BCP...
I decided to apply today for the BCP as the 6% on groceries is big for us.
The Credit pulls DB showed others with 670 EX getting 4500
I got an INSTANT 5K
looks like my APR is 24%... but I won't carry a balance on this card, so not a big deal
And it shows me as a member since 2009... AWESOME!!!
Keep in mind Amex closed my old account I had from 10/2009 to 11/2009 as I ran it up to 1800 of 2K, and paid the minimum for a few months, before a lump payment to PIF in 10/2010.
So they closed the account in 2010... Filed CH13 in 2012 (Amex was NOT included) And welcomed my back today!!!
Income is 120k
