cancel
Showing results for 
Search instead for 
Did you mean: 

Applied for American Express GOLD card

MyDataMyChoice
Valued Contributor

Applied for American Express GOLD card

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.


Message 1 of 14
13 REPLIES 13
MyDataMyChoice
Valued Contributor

Re: Applied for American Express GOLD card

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

Message 2 of 14
Porsche_Enthusiast_911
Established Contributor

Re: Applied for American Express GOLD card

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.

Message 3 of 14
FireMedic1
Community Leader
Super Contributor

Re: Applied for American Express GOLD card

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




Homeowner since Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my experiences after BK from learning here. Started 540's.
Message 4 of 14
mfinsmi1
Established Contributor

Re: Applied for American Express GOLD card

@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 

Active Cards (Business & Personal):

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 2/6; 12/12; 16/24 --- AAoA 3 YRS, 7 MO --- INQ: EX-5/TU-6/EQ-1
Current Goal: 740
Past Goal: 700 (10/2022)
Take the myFICO Fitness Challenge
Message 5 of 14
Jeffster1
Established Contributor

Re: Applied for American Express GOLD card


@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. 

FICO 8 (1/17/23) EX 720 EQ 717 TU 730
FICO 9 (1/17/23) EX 730 EQ 764 TU 750
CH 13 DC 1/5/21 -- I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 3/23
American Express Gold | American Express Blue Cash Everyday 6K | American Express Blue Cash Preferred 5K I American Express Marriott Bonvoy Bevy 5K I American Express Gold Delta Skymiles 6K I American Express Hilton Honors 1K | Bank of America Customized Cash Rewards Visa 15K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One Quicksilver MC 3K | Capital One Walmart MC 2K | NFCU Amex 10.5K | Bread Financial American Express 7K l AAA Daily Advantage Visa Signature 5K I Wells Fargo BILT World Elite MC 30K I UCLA Wescom CU Rewards Visa 7K
Message 6 of 14
FinStar
Moderator Emeritus

Re: Applied for American Express GOLD card


@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.

Message 7 of 14
FinStar
Moderator Emeritus

Re: Applied for American Express GOLD card


@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.

Message 8 of 14
coldfusion
Community Leader
Mega Contributor

Re: Applied for American Express GOLD card


@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.

(2/2023)
FICO 8 (EX) 833 (TU) 839 (EQ) 840
FICO 9 (EX) 843 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 9 of 14
shalimarcat
Regular Contributor

Re: Applied for American Express GOLD card


@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!

Message 10 of 14
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.