So I have to wait til its 10yrs old and falls off to have any chance, regardless of score?How about US Bank?
agree with CA again on both:
correct on amex and could have a shot with US Bank > 680.
yes for amex
usbank if your over 680 you should be fine
DH and I have long history with USBank, and every time we go into the office, they remind us that they would like to offer us (DH, really) a card. They send him pre-aprovals, but never me. I was thinking it was because of the bk on my report. They soft both of us on Equifax. So, we've been waiting til that bk falls off of mine - would love it if we didn't have to wait. Has anyone with a bk still reporting actually been accepted for the card?
I personally would love to dump BofA and get USBank on board. *Sigh!*
I have a joint UsBank with bk on report, it's my highest CL also.
I had gotten a secured card right after bk 8 years ago but when they wouldn't unsecure it after 12 months I closed it, I didn't know scores back than or there rules etc.
AMEX has no tolerance for major derogs.