Denied by AMEX, 5yrs bk, rep said I will never get approved with bk reporting

[Anonymous]

Scores Eq 672 - Tu687 - Ex 683

Bank Cards  nfcu 20k, and 18k, Barc 45k, discover 10k and 1.4k...Cap 2k,3k, 1.3k 

Store walmart2k, amazon 2k, overstock 4.2k

Lease car 23k

Holding 3% on cards, heavy monthly use about 30k per mos.

So I surpassed the 5 yr bk7 discharge date, applied and the only reason showing for denying app is BK.

I called to recon, and told by rep, I won't get approved with a bk showing on my report.  Amex was not IIB.

Just wanted to give everyone a heads-up about my experience.  thank you

[drboxing]

Filed BK 2006 included Amex. 2017 was approved for Delta Gold and Business Platinum, now I’m to my max with Amex cards and 2 personal charge cards. It took about 10 years. I’ve read here it’s taken some a shorter time to get back in with AMEX.

[Anonymous]

Thank for sharing your dp's.  Sorry for the denial.

[Anonymous]

My understanding with Amex is that you can be approved with a BK showing at 61 months past discharge. Try back in July - it sounds as if you hit 5 years this month. You need 5y1m from what is shown by multiple DPs on this forum. I think you simply jumped the gun by a month.

[Loquat]

61 months post filing.  As I've mentioned a many of times around here...my BK13 is on my EX report and I've had several Amex cards and as of this very moment I'm pre-approved for anything I click on.  BK doesn't mean that Amex is unattainable and the rep that told the OP that is wrong.  

[DaveInAZ]

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@Anonymous wrote:

Scores Eq 672 - Tu687 - Ex 683

So I surpassed the 5 yr bk7 discharge date, applied and the only reason showing for denying app is BK.

I called to recon, and told by rep, I won't get approved with a bk showing on my report.  Amex was not IIB.

Just wanted to give everyone a heads-up about my experience.  thank you

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The rep told you wrong, my 2010 BK is still on my report for another year or so and I have 2 Amex cards. And use the Amex pre-qualifier instead of cold app'ing, it's rock solid. Most folks say you can be approved at 61 months post discharge. I didn't get any pre-qualified offers until after 6 years - perhaps I might have been approved at 61 months, but they didn't offer pre-qual offers for me until 73 months, and I wasn't going to app until I saw a pre-qual.  Amex not IIB.

[Duke_Nukem]

I agree that the rep was perhaps wrong, we app'd after 7 years from our BK7, and was approved for $10k (EX FICO 8 around 728 if I remember correctly).  Did the 3X CLI a few weeks ago, and got an increase to $30k. 

But AMEX was not included in our BK.  If the OP had AMEX IIB, then that may be why the rep made that statement?

[Anonymous]

OP didn’t IIB Amex. He pulled the trigger too early and was dealing with a misinformed CSR.

[Jeffhacker]

Took me ten years and a letter requesting reconsideration, but I was approved for Amex Gold; I haven't added to that right now and am gardening; think I may want to upgrade to Plat after a year (you can't change a card for a year, aparently).  I'd wait but there is hope :-)

[Anonymous]

Might be better to app for Plat on its own and get the SUB, especially if you can access the 100k points.