AMEX Simply Cash Business Card Question and Help?

[GST2008]

I have recently been receiving offers from AMEX for the Simply Cash Business credit card, however I am not sure if they will approve me for it.  I filed for BK over 7 years ago (AMEX was not in the BK).  Since then, flawless record.  All baddies have dropped off and all that remains is the BK.  During that time period, I purchased a business with my brother and it has done very well.  We have had an AMEX Gold Business charge for the past two years.  The account is in his name and I am the only AU on the account.  Also for the past three years, I have been the AU on his AMEX Blue.

Since the BK, AMEX has never sent me any offers or invitations.  I know that they are not generally BK friendly, but I was wondering if anybody has had any luck being approved for credit with them through a business.  I have never had my own account with them and would love to start, but am unsure if I should just wait till the BK drops off my CR or if I have any chance of getting this card.  Help?!?

[Creditaddict]

is the business getting the offer or are you getting the offer?

If you already hold the Gold card for your company in your brothers name, I would suggest applying for the simply cash in his name too, you are going to see a much better limit based on your current performance with them.

and for you to get your own amex, I might test the waters first with say the Personal Zync, if that gets approved then you might have a chance with a credit card with amex... but they are much more relaxed on lending to the charge cards than the credit card products.

[GST2008]

The offers have come addressed to me.  I would ultimately prefer a personal card as the business has plenty of credit already available, but wasn't sure if AMEX would be more likely to lend to me through the business to start versus on a personal product.

[Creditaddict]

no you are much more likely to get a charge card, in personal or business over a credit card product, but i have seen zync approved with as low as 642 credit score, but they didn't have bk.

if you can risk an inq I would say go for a zync or gold charge personal.

[Red1Blue]

Amex you can never tell any thing. They declined my app for Zync 4 weeks ago and approved me for Platinum last week. Go figure.