cancel
Showing results for 
Search instead for 
Did you mean: 

Finally!! AMEX approval post-Bankruptcy!

Highlighted
Member

Finally!! AMEX approval post-Bankruptcy!

Started rebuilding credit immediately following my BKR in Dec 2012.. now have 2 Discovers each with $8000 limit, Barclay $9000, BOA $4000..then Applied for AMEX last year with scores in the 730s and thought I'd be approved. NOO!! I was so disappointed! Now today, literally 5 Yrs post-BK I applied for AMEX Bluecash & got approved with $5000 limit. I am so happy! Credit redemption at last!! BTW, I almost didnt reapply bc I was told AMEX will NOT give approval to anyone who still has a BR on file, even with excellent scores.
Beginning Score506
Current750-803
Goal825-850



AMEX Blue Cash$5,000
Amex Everday-$1,000
Barclay $5,700
Capital One Quick Silver $1,000
Discover $8,000
Discover $8,600
BOA $7,000
Capital One Venture SCL$15,000
Walmart $3,500
Best Buy $3,700
JC Penny $4,500
Macys $2,400
Message 1 of 10
9 REPLIES 9
Highlighted
Established Contributor

Re: Finally!! AMEX approval post-Bankruptcy!

Congratulations! It also took me 5 years to get an approval from amex, and another year before they increased the CL.
I started with a 1500 limit, and then after a year they auto increased to 4500. Then I requested an increase to 7k.
I love my BCP. I am thinking of culling the herd, but BCP is a keeper.
Message 2 of 10
Highlighted
Established Contributor

Re: Finally!! AMEX approval post-Bankruptcy!


wrote:
Started rebuilding credit immediately following my BKR in Dec 2012.. now have 2 Discovers each with $8000 limit, Barclay $9000, BOA $4000..then Applied for AMEX last year with scores in the 730s and thought I'd be approved. NOO!! I was so disappointed! Now today, literally 5 Yrs post-BK I applied for AMEX Bluecash & got approved with $5000 limit. I am so happy! Credit redemption at last!! BTW, I almost didnt reapply bc I was told AMEX will NOT give approval to anyone who still has a BR on file, even with excellent scores.

Congratulations! Your portfolio is looking good, let alone for a "rebuild!" Well done!













Message 3 of 10
Highlighted
Established Member

Re: Finally!! AMEX approval post-Bankruptcy!

Congratulations on your AMEX card! I also got approved w/Amex 5 years post filling of CH 13. I now have 3 cards; BCE, BCP & Delta Gold. However,  I haven't been able to get a CLI with the BK still on my file.

2/18 EQ 726 TU 715 EX 722
Goal 750
Message 4 of 10
Highlighted
Established Contributor

Re: Finally!! AMEX approval post-Bankruptcy!

Congrats for Amex approval!! Beautiful.





Amex Platinum NSPL || Amex Everyday $10K || Amex BonVoy $16K || Amex HH Surpass $2K || Aviator AA $7.6K || Citi AA $7.2K || Citi Costco $5.5K || NFCU CashReward $26K || Blispay $5K || Discover $12.8K || Paypal Credit $7.6K || VS card $4.1K || Walmart store $8.5K
Message 5 of 10
Highlighted
Regular Contributor

Re: Finally!! AMEX approval post-Bankruptcy!

Congrats! Post 5 years seem to be the common consensus. Does anyone know if their credit cards are easier to get POST BK versus their charge cards? 

BK7 08/2016 | DC 12/2016

Message 6 of 10
Highlighted
Regular Contributor

Re: Finally!! AMEX approval post-Bankruptcy!

his gives me so much hope thanks


wrote:
Started rebuilding credit immediately following my BKR in Dec 2012.. now have 2 Discovers each with $8000 limit, Barclay $9000, BOA $4000..then Applied for AMEX last year with scores in the 730s and thought I'd be approved. NOO!! I was so disappointed! Now today, literally 5 Yrs post-BK I applied for AMEX Bluecash & got approved with $5000 limit. I am so happy! Credit redemption at last!! BTW, I almost didnt reapply bc I was told AMEX will NOT give approval to anyone who still has a BR on file, even with excellent scores.

 

Message 7 of 10
Highlighted
Community Leader
Super Contributor

Re: Finally!! AMEX approval post-Bankruptcy!

Amex will approve 5 yrs, and 1 mo post filing date. If they were IIB, then thats a toss up, most won't be approved if they weren't paid back, and if they do get approved, its much later down the road.

Congrats on your approval, and getting back in!!!

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 8 of 10
Highlighted
Valued Member

Re: Finally!! AMEX approval post-Bankruptcy!

That is fantastic!  Congrats!!

08/2016 - BK 7 - Filing
11/2016 - BK7 - DC
08/2019 - EQ716 // EX709 // TU687 (FICO8)
NFCU GoRewards (Unsecured) - $11,500 (Auto graduated 12/2017, CLI +$3K 8/2018)
USAA Platinum (Unsecured) - $21,000 (CLI 1K to 3K 1/2018, CLI +$6.5K 8/2018, +9.5K 8/2019)
USAA Cash Rewards (Secured) - $5,000
Nordstrom Retail Card (Unsecured) - $800 (CLI +$300 7/2018)
Credit One (Unsecured) - $1000
Amazon Store Card (Unsecured) - $3,800 12/2018
Chase Sapphire Reserve - Auth user (Unsecured) - $30,500 3/2019
Message 9 of 10
Highlighted
Member

Re: Finally!! AMEX approval post-Bankruptcy!

Thank you so much for the support!! I appreciate ALL these wonderful comments from all of you who certainly understand what a big accomplishment this truly is for me!! Smiley Happy Smiley Happy

Beginning Score506
Current750-803
Goal825-850



AMEX Blue Cash$5,000
Amex Everday-$1,000
Barclay $5,700
Capital One Quick Silver $1,000
Discover $8,000
Discover $8,600
BOA $7,000
Capital One Venture SCL$15,000
Walmart $3,500
Best Buy $3,700
JC Penny $4,500
Macys $2,400
Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.