Amex Platinum approval Ch 13 on file

mrmagic9799 · ‎04-05-2023

Just got approved for the platinum card NPSL. I tried the check for offers page, I didn't get the immediate Decline due to BR as I've gotten over the last few months. During the app this time they asked if I wanted to add an AU before i continued my application. BOOM Approved, got my number to add to Apple wallet immeditely. I travel often and am so happy i'm back in with Amex after BR. I filed CH 13 Jan 2018 Discharged March 2021. Applied March 31 and approved. TU & Ex were pulled 675 & 674 scores.

CreditAggie · ‎04-05-2023

Congratulations on your Amex Platinum approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

NoMoreDebt · ‎04-05-2023

congrats on the approval

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

fury1995 · ‎04-05-2023

Congrats!

Are you 5 yrs + 1 mos from D/C? Alot of people will be following this.

August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

JoeRockhead · ‎04-05-2023

Nice, congratulations on your Amex approval!

mrmagic9799 · ‎04-05-2023

No, i'm not 5 years from d/c(March 2021) i'm 5 years and 2 mo from filing.(Jan 2018) hope this helps!

@fury1995 wrote:
Congrats!

Are you 5 yrs + 1 mos from D/C? Alot of people will be following this.

alextercero · ‎04-05-2023

Congrats on the approval

Current Credit Cards

NFCU More Rewards | CL $4500 | APR 15.40% | 08/2021

Capital One Quicksilver One | CL $6600 | APR 31.74% | 09/2021

Capital One Quicksilver | CL $5500 | APR 31.74% | 02/2022

NFCU Cash Rewards | CL $4500 | APR 15.40% | 06/2022

Goldman Sack Apple Card | CL $6400 | APR 23.74% | 02/2024

NFCU Go Rewards | CL $33000 | APR 13.74% | 03/2024

CITI Bank Custom Cash | CL $3900 | APR 29.74% | 08/2024

Discover it | CL $3000 | APR 29.74% | 11/2024

CITI Bank Rewards+ | CL $5200 | APR 29.74% | 12/2024

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (December 2024)

Credit Age:

Inquiries:

nytokyobred79 · ‎04-06-2023

Congrats on your Amex Platinum approval. Awesome.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $218,900 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K

Horseshoez · ‎04-06-2023

@fury1995 wrote:
Congrats!

Are you 5 yrs + 1 mos from D/C? Alot of people will be following this.

Correct me if I'm wrong, but I believe the 61 month post discharge thing applies to Chapter 7s, for Chapter 13s I believe it is 61 months post filing (if Amex wasn't on the burnlist).

Chapter 13:

Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California)
Filed: 26-Feb-2015
MoC: 01-Mar-2015
1st Payment (posted): 23-Mar-2015
Last Payment (posted): 07-Feb-2020
Discharged: 04-Mar-2020
Closed: 23-Jun-2020

I categorically refuse to do AZEO!

In the proverbial sock drawer:

coreyb80 · ‎04-06-2023

Congrats on the approval!