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AMEX Post BK 7

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KJT
Regular Contributor
‎04-15-2020 09:51 AM
‎04-15-2020 09:51 AM

AMEX Post BK 7

I'm two months shy of 5 years of BK7 filing. Other members have reported 5 years and 1 month post filing to apply for AMEX cards.... Is this school of thought appropriate?

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 823/824 EX 768/799 TU 783/785 AMEX BCE $30K, Delta AMEX $25k, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $13K, BOA Unlimited Custom Cash Visa $25K, BOA Travel Rewards Visa $28K, Truist Travel Reward Visa $7.5K, Truist Brightstar Visa $7.5K, Truist $22.4K, Fidelity Visa $35k, Target $5k, Banana Republic $7.5k, Chase Sapphire Preferred $9K, Amazon Visa Chase $28.5, CITI Custom Cash $10K, CITI Macy AMEX $3.5, NFCU eSignature Visa $48k, NFCU CLOC $15k, NFCU AMEX Rewards $32k, Comendity NFL $30.4k, PayPal $10k, Capital 1 Wal-Mart $6k, Amazon Prime $10k, CITI-Double Cash $10k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; USAA AMEX Reward $21.5K, USSA Visa Reward $16.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $520K.
Message 1 of 7
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user979797
Established Contributor
‎04-15-2020 10:19 AM
‎04-15-2020 10:19 AM

Re: AMEX Post BK 7

Yes. Generally it seems AMEX doors seem to open once again starting around the 5 year mark. I am not sure what factors such as if you included them or not play into that timeframe but it is safe to say if you didn't include them in your BK7 the doors should open up for you. Even if you did include them when it's time see if you can prequalify for a card. Good luck

>
Message 2 of 7
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KJT
Regular Contributor
‎04-15-2020 10:33 AM
‎04-15-2020 10:33 AM

Re: AMEX Post BK 7

Thank you..... AMEX wasn't IIB.

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 823/824 EX 768/799 TU 783/785 AMEX BCE $30K, Delta AMEX $25k, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $13K, BOA Unlimited Custom Cash Visa $25K, BOA Travel Rewards Visa $28K, Truist Travel Reward Visa $7.5K, Truist Brightstar Visa $7.5K, Truist $22.4K, Fidelity Visa $35k, Target $5k, Banana Republic $7.5k, Chase Sapphire Preferred $9K, Amazon Visa Chase $28.5, CITI Custom Cash $10K, CITI Macy AMEX $3.5, NFCU eSignature Visa $48k, NFCU CLOC $15k, NFCU AMEX Rewards $32k, Comendity NFL $30.4k, PayPal $10k, Capital 1 Wal-Mart $6k, Amazon Prime $10k, CITI-Double Cash $10k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; USAA AMEX Reward $21.5K, USSA Visa Reward $16.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $520K.
Message 3 of 7
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Scupra
Super Contributor
‎04-17-2020 09:57 AM
‎04-17-2020 09:57 AM

Re: AMEX Post BK 7

Post file date is correct, good luck!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k 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 | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 4 of 7
KJT
Regular Contributor
‎04-17-2020 11:25 AM
‎04-17-2020 11:25 AM

Re: AMEX Post BK 7

Quick follow up question, I see you had a BK7 filed/dicharged in 2012. How long after that did you receive your first AMEX approval? 2017

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 823/824 EX 768/799 TU 783/785 AMEX BCE $30K, Delta AMEX $25k, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $13K, BOA Unlimited Custom Cash Visa $25K, BOA Travel Rewards Visa $28K, Truist Travel Reward Visa $7.5K, Truist Brightstar Visa $7.5K, Truist $22.4K, Fidelity Visa $35k, Target $5k, Banana Republic $7.5k, Chase Sapphire Preferred $9K, Amazon Visa Chase $28.5, CITI Custom Cash $10K, CITI Macy AMEX $3.5, NFCU eSignature Visa $48k, NFCU CLOC $15k, NFCU AMEX Rewards $32k, Comendity NFL $30.4k, PayPal $10k, Capital 1 Wal-Mart $6k, Amazon Prime $10k, CITI-Double Cash $10k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; USAA AMEX Reward $21.5K, USSA Visa Reward $16.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $520K.
Message 5 of 7
Scupra
Super Contributor
‎04-19-2020 04:31 PM
‎04-19-2020 04:31 PM

Re: AMEX Post BK 7

@KJT wrote:

Quick follow up question, I see you had a BK7 filed/dicharged in 2012. How long after that did you receive your first AMEX approval? 2017

I got my first AMEX July 2017, instant approval. Got the gold card off of a 50k MR offer, also instant approval. 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k 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 | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 6 of 7
KJT
Regular Contributor
‎04-19-2020 06:35 PM
‎04-19-2020 06:35 PM

Re: AMEX Post BK 7

Thanks for the insight.

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 823/824 EX 768/799 TU 783/785 AMEX BCE $30K, Delta AMEX $25k, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $13K, BOA Unlimited Custom Cash Visa $25K, BOA Travel Rewards Visa $28K, Truist Travel Reward Visa $7.5K, Truist Brightstar Visa $7.5K, Truist $22.4K, Fidelity Visa $35k, Target $5k, Banana Republic $7.5k, Chase Sapphire Preferred $9K, Amazon Visa Chase $28.5, CITI Custom Cash $10K, CITI Macy AMEX $3.5, NFCU eSignature Visa $48k, NFCU CLOC $15k, NFCU AMEX Rewards $32k, Comendity NFL $30.4k, PayPal $10k, Capital 1 Wal-Mart $6k, Amazon Prime $10k, CITI-Double Cash $10k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; USAA AMEX Reward $21.5K, USSA Visa Reward $16.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $520K.
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