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AMEX 3X CLI w/BK 7 showing

Regular Contributor

AMEX 3X CLI w/BK 7 showing

Hello forum -

 

I was denied a CLI back in July 2018 due to BK CH. 7 .. See thread.


Based on some DPs, I knew I had to wait until after my 7th year post BK (Dec. '18) before requesting again. I decided to pull the trigger today on my Amex EveryDay Card... lo and behold:

 

IMG_1153.jpg

 

I hardly use this card due to the higher multiplier on my Gold card. I plan on moving majority of the CL to my Blue Business Plus card.

 

Some DPs:

  • BK Ch. 7 discharged Dec. 2011.
  • Income over $100k/yr.
  • Amex cardholder since 2007 (5 business cards and only 2 consumer cards both opened Jan 2018 - Amex Gold and Everyday Card SL - $8K).
  • Scores in siggy up to date.
  • Yes it was a soft pull.
  • Still in the garden since Jan. 2018 (Experian score has increased over 60 points in that span).

 

 




Les murs ont des oreilles .
Message 1 of 7
6 REPLIES
Valued Member

Re: AMEX 3X CLI w/BK 7 showing

Congrats! Great DP’s.
Message 2 of 7
New Contributor

Re: AMEX 3X CLI w/BK 7 showing

A Huge Congrats on your 3X CLI!Smiley Wink

Message 3 of 7
Valued Contributor

Re: AMEX 3X CLI w/BK 7 showing

Congrats on 3x CLI !!!!

 

 

1-2019 / Fico 8 EX 794 , EQ 801 , TR 802
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 4 of 7
Valued Contributor

Re: AMEX 3X CLI w/BK 7 showing

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 5 of 7
Regular Contributor

Re: AMEX 3X CLI w/BK 7 showing

Congrats!

Now does anyone know how to get any sort of CLI if you’ve included Amex in BK?
I’m 9.5 yrs post bk7. They let back into their graces and gave me the Hilton card last year. I put 16k spend in 10mo onto that card and paid down to 0. Haven’t had any luck getting a CLI, even just $1. They cite “previous relationship”.
Message 6 of 7
Regular Contributor

Re: AMEX 3X CLI w/BK 7 showing


@marmaladepie wrote:
Congrats!

Now does anyone know how to get any sort of CLI if you’ve included Amex in BK?
I’m 9.5 yrs post bk7. They let back into their graces and gave me the Hilton card last year. I put 16k spend in 10mo onto that card and paid down to 0. Haven’t had any luck getting a CLI, even just $1. They cite “previous relationship”.

 

They let you back in so that's a good sign that you aren't blacklisted. 

 

Another good news is your CH 7 is about to fall off in a few months or earlier if you file for EE. Try again in 3 months from your last CL request.

 

I'm pulling for you Smiley Wink




Les murs ont des oreilles .
Message 7 of 7