Just another 'should I apply' thread for AMEX

[Meanmchine]

Would OP still have the same problem if he apped for Delta Skymiles?

[Anonymous]

I did the same thing. Closed on Mortgage and Went on a app spree and was approved for an AmEx Everyday with a 2k limit with a 660 VantageScore. No Bankruptcy though

[Anonymous]

meanmchine,

Do you think it makes a different based on the product? I guess charge cards are easier to get? 

[morgacj2004]

To offer u some hope there are people on this board who got approved by AX 3-4 yr post BK. ESP on co branded.  Try the AX Delta Gold, Scwab AX or PFCU AX easier to get and nay open the door later on for other AX products. 

[MontegoMack]

From what I understand (and I welcome a correction), a Centurion Bank American Express is different from getting an American Express from another bank. It may be called co-branding with other banks.

If you want to just have a card with the AMEX logo, you can get it from a number of different banks with different degrees of difficulty. You can get even a secured AMEX through SavingsStar. Unfortunately, it's not the same as "getting in" with American Express - Centurion Bank. 

[CostantinoA]

I was approved for Amex Hilton with BK that discharged 02-2008 and score of 628 and 90 inquires.

[morgacj2004]

AX will sometimes let u in 4-5 yrs post BK if not IIB. 

[Vegas4Play]

Sad to hear about your denial....Maybe next yaer early try the pre approval site....did you try that route this time or was it a cold app?

[Scupra]

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@Anonymous wrote:
Thanks, but with a 4.5yr old bk they blatantly told me they want nothing to do with me til 7 to 10yr after the bk closed. Lame as heck but it is what it is.

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Nah! Their new rule is 5 years you don't have much longer