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Applying after BK

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Anonymous
Not applicable

Re: Applying after BK

Great feat back and advice, I will email you hopefully with good news.
Thank you
Message 11 of 14
joltdude
Senior Contributor

Re: Applying after BK

Definitely try a round of reconsideration before you throw in the towel.... but hopefully youll come back with good news..

-J

 

Message 12 of 14
morgacj2004
Valued Contributor

Re: Applying after BK

They can be Inquiry sensitive and definitely are new account sensitive hence 5/24 rule. Bk at 6 years post DC is less of an issue. I am 5 years + post BK. They only gave me Amazon so far citing too many newly opened accounts

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 13 of 14
Anonymous
Not applicable

Re: Applying after BK

After reading the chase 5/24 rule is ridiculous, amex rules are quit simple and let me tell ya Amex didn’t gave me hard time when I called them for recon they told me have to wait at least 5 years after BK to applied and they were right I follow their advice and yes i’ve Applied over the phone and I was approved with a nice $11,000 credit line there after they approve me with no problem
Message 14 of 14
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