@Horseshoez - I'm super excited to read your post after following your BK13 experience! I'm happy for you and know that you've been waiting long time for this day and huge milestone. Enjoy it my friend and bask in your success 800 club!!!!
@Rinny418 wrote:Hey, did you burn any of these cards in your chapter 13? I included Chase in mine, but really want the Salphire card eventually.
Yes, I burned Chase for something north of ten-grand in my Feb-2015 Chapter 13 filing; they let be back in just shy of 8-years after I filed and I now have a total of three of their cards. Here they are in order:
- Sapphire Preferred:
- Approved Date: Dec-2022
- Starting Limit: $11,700
- Freedom Unlimited:
- Approved Date: Jul-2023
- Starting Limit: $23,600
- United Explorer:
- Approved Date: May-2024
- Starting Limit: $8,000
As far as other revolving lenders I burned:
- AMEX: I have applied several times for a Delta SkyMiles card, each application has been met with an instant denial due to previously closed cards; the only good news is no Hard Pull.
- CITI: I applied only once, got an instant denial due to the previous accounts, and a Hard Pull; I will not be applying again.
- Wells Fargo: Nothing they are offering has any appeal for me, that and due to the nature of my bankruptcy, which included a half-dozen cards in my name but which were applied for by my (now former) business partner, I (meaning he) burned WF for something over $150,000 across four accounts, none of which I was even aware of until the collection agencies started calling me, so I seriously doubt they'll approve me for enough credit to buy a pack of gum.
@cashorcharge wrote:That's gotta feel great having that behind and seeing such great score jumps! Congratulations!!
Yeah, it was a great feeling to see many of my scores skip the 700 range entirely and to have that chapter (pun intended) of my life behind me.
@Rinny418 wrote:Ok, so there's hope. I burned them for about 6k and I've been an authorized user on a card for a few years now so that may or may not help eventually. I don't think I'll apply for Amex ever again or at least 10 years post BK. I didn't even owe them much, maybe 4K? But I know with them the amount is arbitrary and will be an instant denial. It's good to know they're soft pulls though.
There have been a number of anecdotal reports posted here suggesting if you burned AMEX for less than ten-grand, you have a pretty good chance of getting back in with them, especially after your bankruptcy falls off your reports. In my case the number was closer to thirty-grand, so yeah, I probably ain't gonna get back in any time soon.
