topic Re: applying for amex in Credit Card Applications

applying for amex

excop01 — Wed, 22 Jul 2020 03:12:04 GMT

So i was wondering how long should i wait to apply for amex cards since i have a dismissed bk from 2016 jan?? I keep going to the preapprove site and get nothing. but suggest the charge cards and everyday card. I hear i should wait 5 years would be in a about 6 months. any advice would be appreciated.

Re: applying for amex

Anonymous — Wed, 22 Jul 2020 03:29:41 GMT

5yrs and 1 month after filing

Re: applying for amex

excop01 — Wed, 22 Jul 2020 03:38:54 GMT

hey thanks for the info. i thought it was something like that.

well gives me time to make sure there is nothing they

can deny me for, except covid

Re: applying for amex

M_Smart007 — Wed, 22 Jul 2020 10:22:29 GMT

@Anonymous wrote:
5yrs and 1 month after filing

Re: applying for amex

mrcraft — Thu, 23 Jul 2020 04:23:21 GMT

Did you owe Amex any money? If yes, that can come into play and prevent you from being approved longer than 5 years and 1 month.

Re: applying for amex

PointsBonus — Thu, 23 Jul 2020 06:28:44 GMT

Beauty of AMEX (majority of the time)

Approved = Hard inquiry

Declined = Soft Inquiry

what u got to loose ?

Re: applying for amex

excop01 — Thu, 23 Jul 2020 11:40:18 GMT

hey thanks i didnt know it was a soft pull for actually applying. i have done the prequalifier often and i know thats a soft pull.

Re: applying for amex

Brian_Earl_Spilner — Thu, 23 Jul 2020 11:52:04 GMT

@excop01 wrote:
hey thanks i didnt know it was a soft pull for actually applying. i have done the prequalifier often and i know thats a soft pull.

It's not a soft pull. If you're blacklisted, they won't pull your credit, just deny you.

Re: applying for amex

M_Smart007 — Thu, 23 Jul 2020 15:32:49 GMT

@excop01 wrote:
hey thanks i didnt know it was a soft pull for actually applying. i have done the prequalifier often and i know thats a soft pull.

Expect a HP, and be glad if you get a SP.

This way you will not face disappointments!

Re: applying for amex

JR_TX — Thu, 23 Jul 2020 16:06:56 GMT

If you burned them, you'll get auto-declined with a SP for a period of no less than 10 years from CO date (exact date just an approximation). If you never burned them then you'll either get an approval or denial with a HP!

Good Luck

Re: applying for amex

excop01 — Thu, 23 Jul 2020 17:50:35 GMT

naw this will be my first amex whenever i can get one. seem like this old bk13 that i had dismissed back in 16 wont let me get one.