Am/Ex application post CH7

[Anonymous]

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! 

[Jnbmom]

Have you tried the Amex prequalify site?

[Guyatthebeach]

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 

[Anonymous]

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

[Anonymous]

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

[Openwater]

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.

[DoogieBall]

---

@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!!!

[Brian_Earl_Spilner]

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

[Brian_Earl_Spilner]

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

[Anonymous]

Good luck, flyguymux!