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Am/Ex application post CH7

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Established Member

Am/Ex application post CH7

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! 

 

14 REPLIES 14
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Community Leader
Senior Contributor

Re: Am/Ex application post CH7

Have you tried the Amex prequalify site?
EXP 758 TU 783 EQ 729
Message 2 of 15
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Valued Contributor

Re: Am/Ex application post CH7

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 

Message 3 of 15
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Established Member

Re: Am/Ex application post CH7

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

Message 4 of 15
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Established Member

Re: Am/Ex application post CH7

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

Message 5 of 15
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Frequent Contributor

Re: Am/Ex application post CH7

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.




Discover 22K ---------------------------- Credit Union MC 12K
Cap1 QS 10K ---------------------------- Barclay 3.4K
AMEX Blue Cash AU 15.5K ------ Barclay Apple AU 10K
AMEX BCP 22K
2 Installment loans:
Auto 15K / 39K ---------- Auto 28K / 39K
Vantage 3.0: TU:738 EQ: 737 03-17-2020
Ch. 7 DC 12/2014
Message 6 of 15
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Regular Contributor

Re: Am/Ex application post CH7


@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!!!



R.I.P Cards



Message 7 of 15
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Community Leader
Super Contributor

Re: Am/Ex application post CH7

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







Message 8 of 15
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Community Leader
Super Contributor

Re: Am/Ex application post CH7

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







Message 9 of 15
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Valued Contributor

Re: Am/Ex application post CH7

Good luck, flyguymux!





My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 10 of 15
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