I want to do this tonight! Please help!

[Anonymous]

I got approved for Cap1 Venture and CSP late last month and already using them to get the reward points.

Since I already have the 2 inquiries for these newly cards and they will come off in jun/2017.  Should I try and apply for AMEX everyday no AF and Chase Freedom, or other cards? I want to get it out of the way and then don't apply for any other cards for a least 3 years or more. Or should i wait until Jan 2016 to apply.

Experian - I have 7 inquiries. 3 inquiries will be falling off this year, one from cap1, one from mortgage company and one from when I used to rent. The 4 remaining are from opening a checking account, iinitial pre-qual mortgage approval, different place I was renting and one disputing from pen fed (my Info got compromise due to the DHS hack and my info was used) contacted PenFed and they are going to remove.

Equifax - same as Experian above

Transunion - 4 inquiries, 2 falling off this year, one from cap1 one from mortgage loan. The two remaining are from two property management companies where I used to rent.

Score are EX 703, TU 703, EQ 691 pulled on june 23rd

CH7 discharged in 10/2010 - burned chase, cap1, citi, bestbuy, target, Macy's and Walmart  but not amex

Total CL is $35k between C1Q silver, C1Q silver 1, Cap1 Venture, Chase SP & Barclay NFL

balance only on two cards, c1 venture is $564 paying it off Saturday, balance on cap1Q silver $1300, paying it off in July. 

Do I have a shot? Did I miss anything? Income at $49,720.

do I have a shot for the AMEX?

Thanks

[Anonymous]

Go for it!!!!

[Countingpennies]

Amex is not known for approving a card until at least 8 years past a BK.

[Anonymous]

I know, but i've been doing a lot of research here and other websites, and people have been approved for AMEX after 5 yrs and even before 5 years.  I thought the 8 yr rule was the only one, but i guess it really a case by case basis on everyone's different credit.  Search on here and you'll find people getting the Delta AMEX or AMEX everyday 4 to 5 years post Ch7.

[TRC_WA]

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@Anonymous wrote:

I know, but i've been doing a lot of research here and other websites, and people have been approved for AMEX after 5 yrs and even before 5 years.  I thought the 8 yr rule was the only one, but i guess it really a case by case basis on everyone's different credit.  Search on here and you'll find people getting the Delta AMEX or AMEX everyday 4 to 5 years post Ch7.

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I got an instant approval for a $5k Delta AmEx in December... 5 years after filing Ch 13.  They were not included in BR.

I was denied the previous year.

If you burnt them in BR it's a different story though...

[Anonymous]

Did not burn AMEX Discharged on 10/2010 so 5 years would be 10/2015

[TRC_WA]

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@Anonymous wrote:

Did not burn AMEX Discharged on 10/2010 so 5 years would be 10/2015

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Go for it.

if denied try again in Oct.  

[Anonymous]

I"m setting up the browser on my google, 1 tab for citi double cash card, 1 tab for AMEX everyday, and thinking about a third one...suggestions? All no annual fee as i already have cap1 venture AF and CSP AF.

[Anonymous]

Citi simplicity?

[TRC_WA]

I wouldn't waste a HP on Citi especially since you burned them.  They hate me and I didn't burn them LOL...

AmEx Delta is easiest AmEx to get...