@pizza1 wrote:
The good news is.....if you decide you want to pay them back, they will let you back in. Me personally, I would have tried for the Delta Gold...its the easiest, and also, you should know this by now, you've been on the forums awhile....the soonest they will let you back after a bK is 5 yrs. Youre 4 yrs post....try for the Delta in June 2017, and see what happens
Remember Don Draper? He was nice to people, and we could identify with his situation. Of course his emotions spilled over sometimes for not making up to whom it mattered. Not paying back Amex, we could say here. Even $30 with Chase is a pain. So I’m glad to hear the good news.
@taxi818 wrote:
@Anonymous wrote:
@willwar14 wrote:
Did you burn them in the BK?Yes, 22 years ago.
'
thats almost as bad as when i burned PenFed. it was exactly 30 years ago. 1985. Wow. how time flies. And yet they still remember
How could they forget.. I remember the thread of what you did, suprised they didn't go after you and just let it go 
..
@CreditCuriousity wrote:
@taxi818 wrote:
@Anonymous wrote:
@willwar14 wrote:
Did you burn them in the BK?Yes, 22 years ago.
'
thats almost as bad as when i burned PenFed. it was exactly 30 years ago. 1985. Wow. how time flies. And yet they still remember
How could they forget.. I remember the thread of what you did, suprised they didn't go after you and just let it go
Well. Was very stupid I admit. I didn't take it. They loaned it.
Many of you already know this, but I'll add here that I included a Green card in my BK7 back in 2000. I figured Amex would be forever out of reach (I never paid them back) but I app'd back in April to get a free credit report... and was approved. I was shocked, and knew just enough then to know I could possibly get a second card on the same HP, and I was approved for the BCP with a $1k limit, and the highest APR once the promo is over.
To be clear, they didn't forget anything... I've tried three times (!) for a CLI, and each time they've sent me a letter that it's denied due to "Past experience with an American Express account". I've decided not to try again until after I cancel the Green in April (it's just not useful) and if denied again I'll try for a ED card. If approved for an ED, I'll transfer the credit line from it after a year.
As a side note, just a few months after my BK7 I was given an Amex Corp card by my employer, which I carried for several years. I have no idea if this made a difference or not (I realize I was never personally responsible for the bill) but I do know when I talked to a CSR about the Corp card they could see everything. The Corp card CSR never proactively mentioned the IIBK card back then, but one time they referenced an old address that was only associated with the IIBK Green account, so they definitely 'connected' them.
To those folks who want a second chance, don't give up. I don't think any of us here have 'cracked the code' yet, but I can personally say that some folks are able to get back in, eventually. 
Thanks for all the replies! You guys are always very helpful. The more I think about it, I shouldn't feel bad about it at all, at this point. I guess I really just wanted a card for the sake of having one, but as far as credit goes, I've got many other ways to pay. Amex is dead to me and that will be my reality, unless I get a preapproval in the mail or on website at some point. Life is too short to let this get me down, especially with all the progress I have already made....and there has been a lot of progress. I'll count my many blessings.