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Not sure if the corporate is different, but most threads I've seen is you have to be years out of discharge to qualify with Amex. No idea if the corporate is different or not since you won't be responsible for paying.
@Anonymous wrote:
I work for the largest beverage company and they are authorizing an Amex Corporate card for me. My bankruptcy was discharged in January of 2019. Will I have any issue getting a card through my company?
It depends in part on the specific corporate agreement your employer has with AMEX. Your best bet is to have a conversation with your company's program administrator so they can try to pull strings if needed.
Short Answer: Not Really
Depending on how your employer has set up responsibility for payment, AMEX will approve outright or approve provisionally for an initial period by limiting your spending ability (e.g. up to $1,000 T&E expenses and $300 in non T&E expenses) per month, to be reviewed and updated with your usage.
Most of the time, it's your employer's credit (D&B and Paydex Score) that's used for issuing Corporate Cards with AMEX having the ability to limit their risk based on the user's credit.
If you have questions or concerns, speak to your program administrator as @coldfusion suggests. This is not a unique situation and they've been through this many times before and will let you know about any issues.
Don't sweat it too much.
I will echo what others have said, from personal experience. I work for a huge computer/tech/consulting company. The reason I began the journey of building or rebuilding credit after many years of paying for everything with cash is that my company had me apply for a corporate Amex. I was approved, but with limits (for example, $100 retail). They said they'd review in 12 months and possibly remove the limits. Those limits are set by my company, not by Amex.
Amex should approve you, as long as you have never burned Amex. They are said to have a long memory. I don't fall into that category so I can't provide datapoints about what happens if you burned Amex and apply for a corporate card.
But, I had FAKOs in the low 500s including a charge-off and basically no positive lines of credit at the time I applied, and I was approved. From Amex's point of view, you aren't who will be paying, so they don't care. The limits on my corporate Amex are based on my employer's policy, not Amex's decision.
Short answer, you should be approved, but it is possible you'll have an awkward conversation with your manager if you end up with a limited card.
@Anonymous wrote:
I work for the largest beverage company and they are authorizing an Amex Corporate card for me. My bankruptcy was discharged in January of 2019. Will I have any issue getting a card through my company?
They will do a SP and if you get denied, your company can override the decision by guaranteeing the account.
Your company should have a Program Administrator that you contact for further information.