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Amex BCP approval after BK 13

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vic6string
Regular Contributor

Amex BCP approval after BK 13

Just thought I'd add a data point for everyone. I have a chapter 13 bankruptcy filed 5 years ago (filed, not discharged). I have been checking on the Amex prequal site pretty much daily for months and never got a prequal until the 1st of the month on the month after the 5 year anniversary of my filing chapter 13. I was prequal'ed for the gold and the new delta, so I figured I'd try for the one card I really wanted (the BCP) and got the instant approval for 5k. Just to add more data points, Amex was NOT included in the chapter 13, but I DID have them included in a chapter 7 way back in the early 2000's (yes, 2 bankruptcies, don't judge...life happens. Much better now, though)

 

Can't wait to use my shiny new blue card.... 3 kids makes 6% back on groceries fantastic!

Message 1 of 4
3 REPLIES 3
rgate88
Regular Contributor

Re: Amex BCP approval after BK 13

6% on groceries with 3 kids makes all the difference. Congrats!

CO Platinum - $500; CO Quicksilver - $2,000; Marcus GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $17,300; PNC Core - $27,000; Citi DoubleCash - $8,300 - AmEx Everyday - $2,500 (was $20,000); Citi Simplicity - $29,500; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $43,500; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; BMO Harris Cash Back (Was Bank of the West Cash Back) - $3,000; (Closed Block-Fi - $15,000 RIP); Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $20,300; Venmo - $15,000; AllTru LOC - $10,000


Business Trade Lines - Chase Ink Cash - $4,000 (original limit $19,600); Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $5,000; FNBO Evergreen Business - $15,000; Elan Business Visa (Alliance CU) - $20,000; Citi Business AAdvantage Platinum Select - $16,000; Marcus GM Business - $2,500; Kabbage LOC - $10,500; Marriott Bonvoy Business - $14,600; Barclays AAdvantage Aviator WE Business - $7,000; IHG Rewards Premier Business - $5,000; Delta Platinum Business - $16,400; Edward Jones Business (Elan) - $2,000; Barclays Wyndham Earner Business - $7,000


Total CLI - $408,400
Message 2 of 4
coreyb80
Super Contributor

Re: Amex BCP approval after BK 13

Congrats OP and great work!! I have 2 years left on my 13 and I've never had AMEX so I'll be looking to apply for them 1 month after my 5 year anniversary.  Keep up the good work!!

Message 3 of 4
M_Smart007
Legendary Contributor

Re: Amex BCP approval after BK 13


@vic6string wrote:

Just thought I'd add a data point for everyone. I have a chapter 13 bankruptcy filed 5 years ago (filed, not discharged). I have been checking on the Amex prequal site pretty much daily for months and never got a prequal until the 1st of the month on the month after the 5 year anniversary of my filing chapter 13. I was prequal'ed for the gold and the new delta, so I figured I'd try for the one card I really wanted (the BCP) and got the instant approval for 5k. Just to add more data points, Amex was NOT included in the chapter 13, but I DID have them included in a chapter 7 way back in the early 2000's (yes, 2 bankruptcies, don't judge...life happens. Much better now, though)

 

Can't wait to use my shiny new blue card.... 3 kids makes 6% back on groceries fantastic!


 

Congrats, and welcome back to the Amex family!   ...

Give the 3x CLI a try in 61 days  .. it should be a SPSmiley Happy

 

 

 

Message 4 of 4
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