06-13-2013 07:35 AM
06-13-2013 09:44 PM
06-13-2013 09:55 PM
Historically, Amex hasn't been too BK friendly. Applying for an Amex with a BK reporting is "hit or miss," at best.
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.
06-13-2013 10:38 PM
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.
06-13-2013 10:52 PM
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!
06-14-2013 04:57 AM
I am 9 years out from a Chapter 7 and the answer is still no but they were included in BK
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