@Jeffster1 and @cabledude27, y'all are both way ahead of me; I burned AMEX for some big money in my 2015 Chapter 13, like nearly thirty-grand, and I seriously doubt they're going to be letting me back in any time soon. I did try a preapproval with them six or so months back and got an instant denial referencing my previously closed account. At this point my wife and I are in heavy house hunting mode, do I won't be applying for anything, AMEX or otherwise, until after we land a mortgage. 
@cabledude27 wrote:Sucks but time heals all and I have no patience for that so I say it but hate it lol.
best part is I didn't include AMEX in any of the BK. I had paid them off before things went south.
mortgage is my also on our list. I've never owned a house so 1st home buyer stuff is what I'm hoping for, as well as lower interest rates etc so waiting until 4/2025 again sucks but maybe fate.
good luck on the house and AMEX in the future.
Thanks, my wife just spent several hours looking at places online; we are in an envyable position in that we are leasing a nice new townhome in New Hamster, and we've been here long enough to be on month-to-month, so we can pretty much move at any time. We've also been fortunate to be able to live frugally enough over the last ten years since our financial world collapsed to put down 20% without hurting our savings too much.
Regarding AMEX, prior to the whole COVID thing my company had me fly Delta for most of my trips; I changed jobs in 2021 and my new job was supposed to have me on the road at least 15 weeks per year, yeah, about that, my third anniversary is about to come up and I have yet to have a single trip. If/when I go back on the road my new company wants folks to fly United and scoring an airline card with them will be through Chase and not AMEX, so yeah, I may never have an AMEX again.
@cabledude27 wrote:Never say never lol.
We moved south from NJ to NC nothing lower when my credit clears up is gonna be monstrous. Was paying $2200 and they were gonna jack us to $2500 in NJ for a 3bd 2ba apartment and here in NC we are renting a 4bd 3ba, 2 car garage, front and back yard house for $2200.
and the south is great. They don't like the northerners so much but cheap all around.
should have moved sooner.
LOL, I'm a Yankee born and raised in Michigan and I've lived all over the country, Dallas and Atlanta professionally and Quantico when I with in Uncle Sam's Misguided Children, so yeah, I've heard it all. Do you know the difference between a Yankee and a **bleep** Yankee? The Yankee's move back north. 