Delta SkyMiles Gold....Prior BK including AMEX....trigger or trash?

[Anonymous]

Hey folks,

Earlier this week I recieved a offer for the Delta Skymiles card..as I was ready to put in all my information I realized it was ran by AMEX..I burned AMEX in my BK discharged not even a year ago. I hear that this is an easy card to get, especially with my CS in the mid 600s even with a BK, but will my history with AMEX hinder getting approved?

[Anonymous]

There is a 99% chance you will be denied based on previous history and BK.

[Scupra]

If you aren't at least 5 years post BK don't even try

[Anonymous]

I burned them for about $1400 I’m BK7 4.5 years ago, also got an offer I bit and automatic decline no HP so I’m blacklisted. Reason for denial :American Express previously closed your accounts.

[Meanmchine]

Dont go into the light !!!

[CountryLivin]

It will be denied!!!

[pizza1]

Im agreeing with everyone here...

Its a solid known fact that you will not be approved for any card by them, legacy or co-brand thru Amex itself, until you're 5 yrs post file BK date... period, Especially if you burned them.

Do not waste your time or a HP on something you won't get....trust me...even with those that didn't burn them in the BK, its still 5 yrs post file date. What youre getting is just marketing stuff. Even after 5 yrs, theres only a 50% chance you'll be approved for a card with an IIB.

[pizza1]

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@Justagirl73 wrote:

There is a 99% chance you will be denied based on previous history and BK.

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more like 100% chance of denial with only being short post BK and a burn=auto denial. 

[Anonymous]

I might try again in a couple years. Or I might pay them off with my tax return next year, wait six months and try then