Re: Am/Ex application post CH7

Anonymous · ‎02-07-2020

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?

Anonymous · ‎07-09-2020

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?

KJT · ‎08-23-2020

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

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 823/824 EX 768/799 TU 783/785 AMEX BCE $30K, Delta AMEX $25k, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $13K, BOA Unlimited Custom Cash Visa $25K, BOA Travel Rewards Visa $28K, Truist Travel Reward Visa $7.5K, Truist Brightstar Visa $7.5K, Truist $22.4K, Fidelity Visa $35k, Target $5k, Banana Republic $7.5k, Chase Sapphire Preferred $9K, Amazon Visa Chase $28.5, CITI Custom Cash $10K, CITI Macy AMEX $3.5, NFCU eSignature Visa $48k, NFCU CLOC $15k, NFCU AMEX Rewards $32k, Comendity NFL $30.4k, PayPal $10k, Capital 1 Wal-Mart $6k, Amazon Prime $10k, CITI-Double Cash $10k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; USAA AMEX Reward $21.5K, USSA Visa Reward $16.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $520K.

ToofDoc · ‎09-06-2020

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!!

angelofmusic86 · ‎09-08-2020

@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.

CH7 Filed 05.01.2020; Discharged 10.21.2020

10.22.2020 FICO8 Scores: EQ 615 TU 560 EX 581
06.28.2023 FICO8 Scores: EQ 663 TU 663 EX 661

Rebuild progress: CapitalOne Kohl's Visa $3,000; CapitalOne Quicksilver$0AF $9,600; CreditOne Rewards $700; CapitalOne Venture$0AF $4,000; Overdraft Line $250; PenFed PCR $10,000; Kemba Signature Visa $5,000; CreditOne$0AF AMEX $1,500; Target RedCard $1,700; Wells Fargo Autograph $1,500; Comenity Ultamate Rewards MC $4,250; CapitalOne Savor One $500; Amazon Store Card $5,000; Synchrony TJ Maxx Mastercard $3,500; Well's Fargo Reflect Visa $3,500; Levin Furniture $7,400
Gardening until absolutely necessary.

clever411 · ‎03-04-2021

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.

Scupra · ‎03-05-2021

@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

Am/Ex application post CH7

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