Applied for American Express GOLD card

MyDataMyChoice · ‎01-02-2023

I apply for a card every quarter or so - even tho I know the general consenus is 5.5 years for BK7

It has been 4 years this month from filing. I applied - and they actually Double Pulled _Experian and _Transunion...

I beleive this means i am out of the 'blacklist' area. I currently have 14K reporting (Paid in Full - but missed the statement cutoff - no interst but it reported maxed out) - so i don't expect an approval. I am just excited for a credit pull - i will try again in 6 months with AZEO method.

All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record

Lines of Credit:
Personal Loan:

Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450

MyDataMyChoice · ‎01-02-2023

FYI I owed them $2500 personally in BK which I did not repay.

All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record

Lines of Credit:
Personal Loan:

Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450

NoMoreDebt · ‎01-02-2023

That's about what I think i burned them for in 2015. The Gold is on my list this quarter to try for or the Delta gold which some say is easier to get potentially.

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

FireMedic1 · ‎01-02-2023

@MyDataMyChoice Its 5.1 yrs. But there have been a couple rare early approvals lately. Take it with a grain of salt.

BK Free Aug25

mfinsmi1 · ‎01-02-2023

@MyDataMyChoice amex usually double pulls for NEW applicants now - after you get it on the persoanl card every new card you apply for business or persoanl will be a soft pull

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8 - Current 10/1/25

Stats: : 1/6; 1/12; 4/24 --- AAoA 5 YRS --- INQ: EX-3/TU-4/EQ-0

Jeffster1 · ‎01-02-2023

@MyDataMyChoice wrote:
FYI I owed them $2500 personally in BK which I did not repay.

If you owe them money, I think you are being overly-optimistic. Amex generally has a very long memory if you owe them, and the Optima program is over. Good luck.

0% utilization
FICO 8 EX 839 EQ 848 TU 850
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 10K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney Mastercard 10K I Synchrony Premier Mastercard 10K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 15K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin Mastercard 15K I TMobile Capital One Visa 20K

FinStar · ‎01-02-2023

@Jeffster1 wrote:
@MyDataMyChoice wrote:
FYI I owed them $2500 personally in BK which I did not repay.
If you owe them money, I think you are being overly-optimistic. Amex generally has a very long memory if you owe them, and the Optima program is over. Good luck.

The Optima CC is still available for specific profiles, whether it's offered via the Oasis or Apollo program. AENB is very selective with these programs and they're not throwing the Optima card as an option with every balance recovery effort. As with anything, outcomes will vary.

FinStar · ‎01-02-2023

@mfinsmi1 wrote:
@MyDataMyChoice amex usually double pulls for NEW applicants now - after you get it on the persoanl card every new card you apply for business or persoanl will be a soft pull

Just an FYI. Not every application will have a double hit on TU + EX. Plenty of DPs on single EX HPs without touching TU at all. Obviously, profile-specific.

As far as SP once becoming an AENB member, that's not always 100% the case. While the majority of applicants may experience SP approvals depending on AENB tenure, HPs are still possible with future cards -- there's DPs in the Approvals and Business Credit sections.

coldfusion · ‎01-03-2023

@FinStar wrote:
While the majority of applicants may experience SP approvals depending on AENB tenure, HPs are still possible with future cards -- there's DPs in the Approvals and Business Credit sections.

Can confirm from personal experience. Applications for card #4 and card #8 were instant approvals but triggered EX hard pulls.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

shalimarcat · ‎01-03-2023

@MyDataMyChoice wrote:
I apply for a card every quarter or so - even tho I know the general consenus is 5.5 years for BK7

It has been 4 years this month from filing. I applied - and they actually Double Pulled _Experian and _Transunion...

I beleive this means i am out of the 'blacklist' area. I currently have 14K reporting (Paid in Full - but missed the statement cutoff - no interst but it reported maxed out) - so i don't expect an approval. I am just excited for a credit pull - i will try again in 6 months with AZEO method.

Hello, that is a good sign that Amex pulled TransUnion and Experian. They did the same for me when I applied after financial difficulties. I didn't have to file bankruptcy, but I did go into a debt hardship program, had some debt forgiven, and paid back the rest. I eventually got back in with Amex in 2022. Good luck with your application!