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congrats! when was your BK discharge? Did you burn amex?
Congrats !!
How old was your ch 7 bk tradeline when you got approved for the Amex?
Mine was about 6 yrs old when they denied me, twice
It is now 7 years old...if you got approved when yours was 7 years old, I might wait until 7.5 and try again
I was 5 years into my discharged BK when I went for Amex and was approved. I had flawless credit history since BK and had an auto loan w/capital one and two credit cards w/capital one within those 5 years that were in good standing. I'm clueless as to why they approve some and deny others but it seems it wasn't due to the length of time out of a BK.
Yes that is a mystery to me, too. So at 5 years out you did still have all the negative accounts on your CR, as I did
I just got off the phone from them, the denial reasons the lady read me were:
-Judgement or collection on file (I had the ch 7 bk tradeline and all my negative accounts associated when I applied, like you did)
-Length of time accounts have been established (my oldest account was 6 years old)..opened two months after bk discharge
-Balances in relation to credit limits too high (this I am going to fix)
None the less Congrats to you...this gives me a lot of hope to reapply again.
Amex starting lines were based on minimum starting product limit for Amex. All of the non reserve/preferred limits can go as low as $500. Preferred is $5000+ similar to visa signature, can't get one under.
Amex after bk, wow!!
Congrats!