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When to apply post for AMEX, Chase and Citi post CH13?

rrscott426
Established Member

When to apply post for AMEX, Chase and Citi post CH13?

I'm sitting at 700+ on all 3 bureaus, up from 560 one year ago. I have Disco (2.3k), Cap1 QS (1.2k step program from secured), Paypal MC (1.6k), NFCU more rewards AMEX (4k steady CLI's from secured nRewards) and Paypal credit (1.2k), all of the cards are 2+ years old 0% util. I make 136k per year. My BK will be discharged in a month. When would be a good time to app for an AMEX, Chase or Citi card? Should I wait 3-6 months or should I just keep checking for offers to appear on the pre-qual sites?

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4 REPLIES 4
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: When to apply post for AMEX, Chase and Citi post CH13?

All of them blacklist if bk is present.

 

Amex 5yrs 1 mos

Chase 10 yrs*

Citi till whenever they feel like it

 

Sorry. There are other lenders in the sea.

 

Edit: Chase's policy is to blacklist for 10 years. If you apply after it falls off, you can get approved, unless, you subscribe to their credit journey or apply while bk is showing. The computer will remember. There are outliers, but they're rare. They only blacklist for 1 year for auto loans. Another thing to note, if chase was included in BK, you could be looking at a very, very, very long time before they'll approve you again.

 







Message 2 of 5
ImTheDevil
Community Leader
Senior Contributor

Re: When to apply post for AMEX, Chase and Citi post CH13?

Amex also remembers a very long time if you cooked them in a BK. I've seen DPs for Citi that they'll consider you seven years later but that will be a YMMV scenario, and like the others, probably a no-go if you burned them.

 

Agreed with @Brian_Earl_Spilner , gonna have to look elsewhere for quite awhile.



Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy Platinum | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $112,400 | Agg. Util under 10%
Message 3 of 5
rrscott426
Established Member

Re: When to apply post for AMEX, Chase and Citi post CH13?

Thanks for the info, I greatly appreciate it. I didn't burn Chase, Citi or Amex in the BK. One last question. The blacklist timeline you posted, are the years from the BK discharge date or date it was filed?

Message 4 of 5
ImTheDevil
Community Leader
Senior Contributor

Re: When to apply post for AMEX, Chase and Citi post CH13?

For Amex it's 61 months post filing date, not discharge date. I'll let someone else answer for the other two - those I don't know.



Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy Platinum | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $112,400 | Agg. Util under 10%
Message 5 of 5
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