applying for amex

[excop01]

So i was wondering how long should i wait to apply for amex cards since i have a dismissed bk from 2016 jan?? I keep going to the preapprove site and get nothing. but suggest the charge cards and everyday card. I hear i should wait 5 years would be in a about 6 months. any advice would be appreciated. 

[Anonymous]

5yrs and 1 month after filing

[excop01]

hey thanks for the info. i thought it was something like that. 

well gives me time to make sure there is nothing they 

can deny me for, except covid 

[M_Smart007]

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@Anonymous wrote:

5yrs and 1 month after filing

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+1

[mrcraft]

Did you owe Amex any money?  If yes, that can come into play and prevent you from being approved longer than 5 years and 1 month.

[PointsBonus]

Beauty of AMEX (majority of the time) 

Approved = Hard inquiry 

Declined = Soft Inquiry 

what u got to loose ? 

[excop01]

hey thanks i didnt know it was a soft pull for actually applying. i have done the prequalifier often and i know thats a soft pull. 

[Brian_Earl_Spilner]

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@excop01 wrote:

hey thanks i didnt know it was a soft pull for actually applying. i have done the prequalifier often and i know thats a soft pull. 

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It's not a soft pull. If you're blacklisted, they won't pull your credit, just deny you.

[M_Smart007]

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@excop01 wrote:

hey thanks i didnt know it was a soft pull for actually applying. i have done the prequalifier often and i know thats a soft pull. 

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Expect a HP, and be glad if you get a SP.

This way you will not face disappointments!

[JR_TX]

If you burned them, you'll get auto-declined with a SP for a period of no less than 10 years from CO date (exact date just an approximation). If you never burned them then you'll either get an approval or denial with a HP! 

Good Luck