Amex & CSP after BK

[Justrebuilding]

Any ideas on if I need to app for a charge card first and then the Blue Cash, or if I should just go for the Blue Cash right away?

[Networth]

Mmm I tend to play it safe so I would go for the charge card first. Get a Green or Gold, PIF for 6 months-1 year. Than apply for one of their credit(revolver) cards. Again I am just cautious with HP's so thats what I would do. Show Amex they can trust you, and than ask for a credit card once your foot is in the door.

[takeshi74]

I didn't have any luck with either with a BK reporting (neither included in BK).  Approved for both after the BK fell off.  YMMV.  IIRC there was a recent thread where someone got a Chase approval with an old BK reporting.

[Tricky3]

Yesterday I was just approved for a Amex Platinum Card!  This is after my BK in June 2006 and I did burn Amex on a Costco Gold Rewards card for ~4k.  I have sent in a number of tries in the last few years and have always been decided.  About a year ago I even reached out to Amex on my old card and they said that playing off my 4k debt *might* help me get a new card.  I toyed with paying it off but did not.

Since my BK I am squeaky clean on my credit reports - I have CaptialOne, Chase SWA & Marriott cards with fairly high limits (and a few department cards). For the last 5 years I have never carried a balance - I'm a ways pay off kind of a guy now days.

My credits scores (depending on my reported balances they are higher/Lower due to travel).

Exp: 738, EQ: 701, TU:693

[Justrebuilding]

---

@Networth wrote:

Mmm I tend to play it safe so I would go for the charge card first. Get a Green or Gold, PIF for 6 months-1 year. Than apply for one of their credit(revolver) cards. Again I am just cautious with HP's so thats what I would do. Show Amex they can trust you, and than ask for a credit card once your foot is in the door.

---

Thx, that is what my gut is telling me to do

[Justrebuilding]

---

@takeshi74 wrote:

I didn't have any luck with either with a BK reporting (neither included in BK).  Approved for both after the BK fell off.  YMMV.  IIRC there was a recent thread where someone got a Chase approval with an old BK reporting.

---

Thx, I was able to get my Freedom after a recon, I'm anticipating having to recon on the CSP as will. Hope they will work with me!

[Justrebuilding]

---

@Tricky3 wrote:

Yesterday I was just approved for a Amex Platinum Card!  This is after my BK in June 2006 and I did burn Amex on a Costco Gold Rewards card for ~4k.  I have sent in a number of tries in the last few years and have always been decided.  About a year ago I even reached out to Amex on my old card and they said that playing off my 4k debt *might* help me get a new card.  I toyed with paying it off but did not.

Since my BK I am squeaky clean on my credit reports - I have CaptialOne, Chase SWA & Marriott cards with fairly high limits (and a few department cards). For the last 5 years I have never carried a balance - I'm a ways pay off kind of a guy now days.

My credits scores (depending on my reported balances they are higher/Lower due to travel).

Exp: 738, EQ: 701, TU:693

---

Congrats on the approval! Hoping to get those kind of scores in 2014!

[Tricky3]

Just got my Amex Platinum today and called in since I wanted to get their new Chip/Sign (wished they had Chip/PIN).  When I called they thanked me on my long membership.  I said, since when - which he responded since '96.  Which is my before BK membership.   They said I have to wait 10 days before getting a new card with Chip/Sign and when I get that card it will be back dated to '96!  Very supprised since that might give me 18 years on my Credit Reports  for my Amex Card (or at least I think so).

Yep, even online it now show "Card Member Since 1996" - Sweet!

[yudeology101]

Gluck on your planned app spree!   Is your BK fallin off from your report?  I would recommend that it is completely off from your CR, especially from EX when apping for AMEX.  As far as Chase goes,  I was never pre-qualified for anything in the past and even today, they didn't even have the "Can't find any offers for you, but we think you'll like this one" offer.  I still applied, and was approved.  However, I do bank w/ Chase and i think that was a huge help. 

Anyways,  keep us updated on your progress.  We're here for ya, best of luck to you on your app spree soon.