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New member - Goal AMEX Plat or CSR?!?! Help :)

flyguymux
Established Member

New member - Goal AMEX Plat or CSR?!?! Help :)

Hi everyone!

I have read these forums many times before but I am new to posting here myself.

 

BK 7 Discharge 02/15

 

Current scores are EQ - 710 

                               TU - 686

 

Current accounts and limits - CO Venture 15K / Macy's Store Card 10K / Capital One QS 3.5K (Currently in 6th month after CLI, expecting an increase this week)  / Citi Simplicity 2K

 

Post BK account history has been flawless, score is still affected (other than BK) by late student loan payments prior to BK discharge. However, I up until now have either made large payments or carried low balances on the accounts.  Moving forward I will PIF every month. 

 

My dream cards are the Amex Platinum or Chase Sapphire Preferred/Reserve.  I know that these are very difficult to get approved for, even more difficult post BK.  However, I believe that in a few years I may have a chance. 

 

I did not burn either bank in my BK. 

 

Any suggestions for cards I should apply for now or actions to take or do I just sit in the garden (is that correct use of the phrase? ;p)  with the cards I currently have? I'm especially happy with my Venture card. I was just approved for 15K with a 13.99% APR. 

 

Any tips or suggestions would be very welcome and appreciated! 

3 REPLIES 3
Scupra
Super Contributor

Re: New member - Goal AMEX Plat or CSR?!?! Help :)

Welcome to myFICO! Can I ask if you filed for a 13 or 7? Thank you Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 2 of 4
flyguymux
Established Member

Re: New member - Goal AMEX Plat or CSR?!?! Help :)

Thank you for your welcome and reply, Scupra! 

 

I filed a 7. 

Message 3 of 4
Scupra
Super Contributor

Re: New member - Goal AMEX Plat or CSR?!?! Help :)


@flyguymux wrote:

Thank you for your welcome and reply, Scupra! 

 

I filed a 7. 


For AMEX you will have to wait until at least 5 years post file date. After that, you are free to try Smiley Happy

 

Chase is a different story. I have heard rumors that they have tightened up on BK approvals, not sure I believe them yet though. Some people have gotten in with a lower SL card around 2 years. I got my CSP around the 3 year mark IIRC. It is definitely possible and don't let anyone tell you you cant just because of the BK, I didn't Smiley Very Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 4 of 4
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