So the consensus is to stay away from AMEX if you have a BK? Mine is over 5 years old. I guess I'm really more scared more than anything. Just don't want to do anything to screw up. If I went for all three I'm sure that'd really hurt me, right? I don't need the credit, just want to dilute the bad with good. I don't currently have any inqs (hard) on any of my reports.