topic Re: AMEX with BK in Credit Cards

AMEX with BK

Siopao — Thu, 08 Dec 2016 01:06:31 GMT

**Update**

I ended up applying in November and got approved with a $2000 SL!

I've been seeing that members have been able to get an AMEX with a BK on their reports. I've read that they will start accepting people with a BK7 after 5 years. Is that 5 years after filling or discharge?

I tried to apply with AMEX and was instantly denied to my BK. My file date is 10/31/2011 but my discharge wasn't until 2/2012.

Re: AMEX with BK

creditguy — Thu, 08 Sep 2016 20:59:52 GMT

I believe it would be 5 years post discharge.

Re: AMEX with BK

Anonymous — Thu, 08 Sep 2016 21:03:23 GMT

Was a Amex acct was included in the BK? If so it may take longer...they do hold a grudge from my understanding.

Re: AMEX with BK

RCFL — Thu, 08 Sep 2016 21:11:39 GMT

burnt them in my BK back in '10 still a no go for me. They wouldn't even pull my credit report. Everytime i apply, it's a declined because "Amex previously closed my account..."

Re: AMEX with BK

Siopao — Thu, 08 Sep 2016 21:36:10 GMT

@Anonymous wrote:
Was a Amex acct was included in the BK? If so it may take longer...they do hold a grudge from my understanding.

No Amex wasn't burned in the BK, but I did have a charge off with them many moons ago. I don't think I'm blacklisted since the only thing on the denail letter was the BK.

Re: AMEX with BK

Anonymous — Thu, 08 Sep 2016 22:28:35 GMT

@Siopao wrote:
@Anonymous wrote:
Was a Amex acct was included in the BK? If so it may take longer...they do hold a grudge from my understanding.
No Amex wasn't burned in the BK, but I did have a charge off with them many moons ago. I don't think I'm blacklisted since the only thing on the denail letter was the BK.

Was there a HP? If not, that is usually a sign of blacklisting by SSN

Re: AMEX with BK

Siopao — Fri, 09 Sep 2016 19:57:20 GMT

@Anonymous wrote:
@Siopao wrote:
@Anonymous wrote:
Was a Amex acct was included in the BK? If so it may take longer...they do hold a grudge from my understanding.
No Amex wasn't burned in the BK, but I did have a charge off with them many moons ago. I don't think I'm blacklisted since the only thing on the denail letter was the BK.
Was there a HP? If not, that is usually a sign of blacklisting by SSN

Yup. They did do an HP on my Experian. While the HP was bad, knowing that they did pull my Experian is a good sign that I'm not blacklisted.

Thanks for the tip!

Re: AMEX with BK

Billybob_TX — Fri, 09 Sep 2016 23:00:24 GMT

5 years after filing. Try on November 1st and I bet you get in if there are no negatives since the BK. Good luck!

Re: AMEX with BK

pizza1 — Fri, 09 Sep 2016 23:06:49 GMT

@Billybob_TX wrote:
5 years after filing. Try on November 1st and I bet you get in if there are no negatives since the BK. Good luck!

I would do 5 yrs and ONE day AFTER the DC date to be on the safe side. ......thats my opinion though. People that have been approved most have been approved after DC date, not filing.

Re: AMEX with BK

pizza1 — Fri, 09 Sep 2016 23:12:39 GMT

@Siopao wrote:
I've been seeing that members have been able to get an AMEX with a BK on their reports. I've read that they will start accepting people with a BK7 after 5 years. Is that 5 years after filling or discharge?

I tried to apply with AMEX and was instantly denied to my BK. My file date is 10/31/2011 but my discharge wasn't until 2/2012.

OP....They may or may not approve you solely for your Charge off with them. If you paid them back...it looks good, if not, they will know the second you apply. They may ask to be paid back first, but you wont know until you apply. See my other post here in your thread.

Re: AMEX with BK

Siopao — Mon, 12 Sep 2016 03:18:35 GMT

@pizza1 wrote:
@Siopao wrote:
I've been seeing that members have been able to get an AMEX with a BK on their reports. I've read that they will start accepting people with a BK7 after 5 years. Is that 5 years after filling or discharge?

I tried to apply with AMEX and was instantly denied to my BK. My file date is 10/31/2011 but my discharge wasn't until 2/2012.
OP....They may or may not approve you solely for your Charge off with them. If you paid them back...it looks good, if not, they will know the second you apply. They may ask to be paid back first, but you wont know until you apply. See my other post here in your thread.

Thank you for the advice Pizza1. The charge off was a little over 23 years ago. I don't even remember the amount, but I'm sure it was under 1k since I wasn't make much at that time. I don't have a problem with paying them back if they request it.

Re: AMEX with BK

Siopao — Mon, 12 Sep 2016 03:20:27 GMT

@Billybob_TX wrote:
5 years after filing. Try on November 1st and I bet you get in if there are no negatives since the BK. Good luck!

Thank you Whipster. I may try around November. Either way I'll update this thread when the time comes.

Re: AMEX with BK

Siopao — Mon, 12 Sep 2016 03:21:58 GMT

@pizza1 wrote:
@Billybob_TX wrote:
5 years after filing. Try on November 1st and I bet you get in if there are no negatives since the BK. Good luck!
I would do 5 yrs and ONE day AFTER the DC date to be on the safe side. ......thats my opinion though. People that have been approved most have been approved after DC date, not filing.

How does AMEX know when my DC date is? I looked at my full Experian and it only show the file date.

I'm just trying to figure out when to apply with them. Thank you!

Re: AMEX with BK

morgacj2004 — Mon, 12 Sep 2016 05:32:47 GMT

5 yrs minimum if u did not burn them. There have been rare exceptions. U might get lucky.

Re: AMEX with BK

Siopao — Wed, 07 Dec 2016 20:09:26 GMT

Just wanted to update the thread.

I apped on Nov 5th and didn't get an instant decline like I normally would so that was a good sign! I had to call and confirm my information and the rep welcomed me to American Express! Starting credit line of $2,000. I'm happy that I'm back in with AMEX!

My BK discharge date isn't until 2/2017.

Re: AMEX with BK

Anonymous — Wed, 07 Dec 2016 23:42:22 GMT

Congrats!

Re: AMEX with BK

Anonymous — Thu, 08 Dec 2016 16:38:12 GMT

@Siopao wrote:
Just wanted to update the thread.

I apped on Nov 5th and didn't get an instant decline like I normally would so that was a good sign! I had to call and confirm my information and the rep welcomed me to American Express! Starting credit line of $2,000. I'm happy that I'm back in with AMEX!

My BK discharge date isn't until 2/2017.

So, you are saying you were approved by Amex with an open BK? If this is the case, be careful with your Trustee. On another note, it doesn't take 5 years post BK to get back in with Amex. I was just approved for the Amex Everyday Card 4 months post BK discharge and I included them in my BK.

Every file is different and is treated accordingly. Don't be afraid to apply for another.

Re: AMEX with BK

Scupra — Thu, 08 Dec 2016 19:13:14 GMT

@Anonymous wrote:
@Siopao wrote:
Just wanted to update the thread.

I apped on Nov 5th and didn't get an instant decline like I normally would so that was a good sign! I had to call and confirm my information and the rep welcomed me to American Express! Starting credit line of $2,000. I'm happy that I'm back in with AMEX!

My BK discharge date isn't until 2/2017.
So, you are saying you were approved by Amex with an open BK? If this is the case, be careful with your Trustee. On another note, it doesn't take 5 years post BK to get back in with Amex. I was just approved for the Amex Everyday Card 4 months post BK discharge and I included them in my BK.
Every file is different and is treated accordingly. Don't be afraid to apply for another.

OP filed a BK7 and is 5 years post file date, the BK is not open.

The reason you were approved 4 months post discharge is because you filed a BK13. AMEX requires you to be 5 years post file date. In most cases a BK13 lasts 5 years

Re: AMEX with BK

Siopao — Fri, 09 Dec 2016 21:29:25 GMT

@Scupra wrote:
@Anonymous wrote:
@Siopao wrote:
Just wanted to update the thread.

I apped on Nov 5th and didn't get an instant decline like I normally would so that was a good sign! I had to call and confirm my information and the rep welcomed me to American Express! Starting credit line of $2,000. I'm happy that I'm back in with AMEX!

My BK discharge date isn't until 2/2017.
So, you are saying you were approved by Amex with an open BK? If this is the case, be careful with your Trustee. On another note, it doesn't take 5 years post BK to get back in with Amex. I was just approved for the Amex Everyday Card 4 months post BK discharge and I included them in my BK.
Every file is different and is treated accordingly. Don't be afraid to apply for another.
OP filed a BK7 and is 5 years post file date, the BK is not open.

The reason you were approved 4 months post discharge is because you filed a BK13. AMEX requires you to be 5 years post file date. In most cases a BK13 lasts 5 years

Thanks for clearing that up Scupra, I can see how that was misunderstood though. I should have said that my BK7 5 year anniversary isn't until 2/17

Re: AMEX with BK

Anonymous — Sat, 10 Dec 2016 15:42:05 GMT

I was dc in Sept. recvd Amex in January. They told me that I could never get an increase as long as Bk was on my report. The minute it dropped. I got the 3x increase. Sometimes there are no hard rules.