topic Re: Am/Ex application post CH7 in Bankruptcy

Am/Ex application post CH7

Anonymous — Fri, 07 Feb 2020 18:45:42 GMT

Hey everyone,

one of my main goals after bankruptcy has been to get in with American Express. They were not included in my filing. My CH7 discharge date is 2/19/15. I've read that after 5 years it's possible to apply with AmEx, is that still correct? Would it show as a pre-qualify on their page once that date has passed?

According to WalletHub / credit karma my score is at 737 with transunion, 744 with equifax on credit karma (for what those scores are worth)

5% utilization of total $102K credit limit across acccounts, with most credit card accounts at high limits (19K Barclays, 25K capital one, 21K discover)

$90K income

No late payments showing on my report

I want to apply for the Platinum Card.

Any thoughts, advice, or suggestions would be very appreciated! Thanks!

Re: Am/Ex application post CH7

Jnbmom — Tue, 04 Feb 2020 21:29:25 GMT

Have you tried the Amex prequalify site?

Re: Am/Ex application post CH7

Guyatthebeach — Tue, 04 Feb 2020 21:46:23 GMT

Flyguymux,

I was approved for BCE at the 5 year 1 month mark and it was a preapproval. When the Cash Magnet card was introduced, I got that on a SP. I also have the Amazon Amex too.

I didn't include Amex in my bankruptcy. I can't complain about Amex, they have been good to me.

Guyatthebeach

Re: Am/Ex application post CH7

Anonymous — Fri, 07 Feb 2020 18:46:31 GMT

Yes, I get the immediate pre-qualify denial screen. I'm wondering if once I'm past 5 years it will automatically prequalify.

Re: Am/Ex application post CH7

Anonymous — Wed, 05 Feb 2020 19:00:13 GMT

Great! How recent was this approval? Thanks, I'm looking forward to being in with Amex hopefully soon

Re: Am/Ex application post CH7

Openwater — Thu, 06 Feb 2020 01:06:41 GMT

I was post 5 years BK7, not IIB with AMEX. Applied for BCP and approved from the pre-qual page. I waited until after 5 years though. From your post looks like you jumped in a little early. Actually I was pre-qual for other cards, but I went for the card that I wanted which was the BCP. Hope this helps. Good luck.

Re: Am/Ex application post CH7

DoogieBall — Thu, 06 Feb 2020 14:08:46 GMT

@Guyatthebeach wrote:
Flyguymux,

I was approved for BCE at the 5 year 1 month mark and it was a preapproval. When the Cash Magnet card was introduced, I got that on a SP. I also have the Amazon Amex too.

I didn't include Amex in my bankruptcy. I can't complain about Amex, they have been good to me.

Guyatthebeach

Similarly, I didn't get any pre-approvals for years. At the time I didn't know about the 5+ years time period. I just happened to check the pre-qual one day and saw it although I was closer to the 7 year mark when I applied and got approved.

Amex has been great to me, as well!!!

Re: Am/Ex application post CH7

Brian_Earl_Spilner — Thu, 06 Feb 2020 14:18:32 GMT

You have to wait 5 yrs 1 mos before they'll look at you.

Re: Am/Ex application post CH7

Brian_Earl_Spilner — Thu, 06 Feb 2020 14:19:36 GMT

Also, the only score that matter for amex is EX FICO 8

Re: Am/Ex application post CH7

Anonymous — Thu, 06 Feb 2020 14:31:05 GMT

Good luck, flyguymux!

Re: Am/Ex application post CH7

Anonymous — Fri, 07 Feb 2020 18:48:43 GMT

Great, thanks for your response! I have not applied yet, I was simply wondering if once the time passes it will automatically pre-qualify. From your experience, it seems like it does! How recent was your application and approval?

Re: Am/Ex application post CH7

Anonymous — Fri, 10 Jul 2020 04:59:28 GMT

I'm at 5 year post BK7. (filed March 2015, discharged June 2015. Maybe I'm not yet 5 years and 1 month. I just went on AmEx pre-qual site, it says: "CA Mailman, we could not find Pre-Qualified Offers for you at this time."

Mind you, I'm on AmEx as AU on my wife's 2 AmEx cards. I've never had AmEx on my own and never filed on it too.

Am I still too early?

Re: Am/Ex application post CH7

KJT — Mon, 24 Aug 2020 01:13:45 GMT

I got back in with AMEX 5 years and 1 month post BK7 filing. Delta Platinum..

Re: Am/Ex application post CH7

ToofDoc — Sun, 06 Sep 2020 17:21:33 GMT

I burned 5 accounts (3 business cards and 3 personal cards) with AMEX in my personal BK Ch7 1 year ago. AMEX probably will never let me back in.

Wait, do we start counting when our BK starting date as when the BK was posted on our credit report or when the BK was formally discharted? My BK was reported on my credit report as May 12, 2019, but the formal discharged was until October 30, 2019. Which date do I use as my starting date?

I guess I can try in November 1, 2025!!

Re: Am/Ex application post CH7

angelofmusic86 — Tue, 08 Sep 2020 22:27:47 GMT

@ToofDoc wrote:
I burned 5 accounts (3 business cards and 3 personal cards) with AMEX in my personal BK Ch7 1 year ago. AMEX probably will never let me back in.

Wait, do we start counting when our BK starting date as when the BK was posted on our credit report or when the BK was formally discharted? My BK was reported on my credit report as May 12, 2019, but the formal discharged was until October 30, 2019. Which date do I use as my starting date?

I guess I can try in November 1, 2025!!

@ToofDoc I think they might eventually, but it can take decades from what I've heard/read.

Re: Am/Ex application post CH7

clever411 — Fri, 05 Mar 2021 03:39:59 GMT

It took me 10 years to get back in with American Express. I burned them for about 5k on a chapter 7. When I tried to get pre approved, I was declined. I decided to apply anyway for the AME gold... Everything turned out well.

Re: Am/Ex application post CH7

Scupra — Fri, 05 Mar 2021 17:34:36 GMT

@clever411 wrote:
It took me 10 years to get back in with American Express. I burned them for about 5k on a chapter 7. When I tried to get pre approved, I was declined. I decided to apply anyway for the AME gold... Everything turned out well.

Congrats!! My favorite card