No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Historically, Amex hasn't been too BK friendly. Applying for an Amex with a BK reporting is "hit or miss," at best.
I'd say don't even try before 8 years...
@Open123 wrote:Historically, Amex hasn't been too BK friendly. Applying for an Amex with a BK reporting is "hit or miss," at best.
+1
The majority of times individuals will not be approved (even if using the EO channel) if there is a presence of BK on your CRs.
Not worth the HP for the attempt IMHO
Not friendly at all
@Justrebuilding wrote:
Hi All, I am hoping to qualify soon for an AMEX BCE. What do you think my chances are?
I had a BK in 08, nothing from AMEX included. I've had two corporate AMEX cards through work since 09, but that is the only relationship I've had with them.
I have 2 inq on EXP, 5 on TU and 4 on EQ this year. I was considering hanginging out in the garden til Jan and then applying.
7 and a 1/2 years and still no go with Amex...just as of last month. Same story on denial and recon.....they tell you you have past bk blah blah blah......Citi, Chase (recon) Approved just fine.
Sad to say but like the others have posted, American Express is very risk adverse.
Even an unpaid collections or charge off is very likely to result in a denial.
Best bet is to wait till it falls off completely. In the meantime there's plenty of other options to check out.
Best of luck!
I am 9 years out from a Chapter 7 and the answer is still no but they were included in BK