Back in with AmEx! Delta approval!

[tbtfw]

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@tbgothard wrote:

Congrats! I got back in with AmEx last year after BK7 in 2009. I got the BCP and Platinum within a few weeks of eachother after years of trying for a Delta Gold and always getting the denial for negative prior relationship. My BCP also has the $1k limit. I just hit my year anniversary and the $1k will not move. Each CLI has been denied. First was for low credit score as my score dropped as I got the BCP, Plat, and CSR within week of eachother. Score has rebounded and then they said CLI denied due to activity on other revolving accounts (but my accounts that do have balances are going down). 

I love my BCP and Platinum and have gotten alot of value out of them. But I tend to just use the Plat more now because they haven't denied a charge yet; even ones that are higher than my normal spend. 

My spouse got the Delta Gold in December 2024 as we wanted to SkyMiles for travel this year. They got $10k SL and we have done the 90 day CLI and are now up to $40k. Yet, we never keep the balance over $1k so I am expecting them to drop that limit if we don't use it from time to time. 

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Wow, thanks for those data points! That's interesting you got back in with a 1k limit too. I'll see what AmEx thinks of me at the 60 day mark. It would suck if the limit just never moved. But I understand I burned AmEx previously.

Planning to run a good portion of my spending through this card, and hopefully get other AmEx cards down the line. So a bigger limit would be nice after 3-6 months.

[CaptainConcorde]

Congratulations.  I miss having AMEX.  I had the Platinum, Delta Gold, and Hilton Aspire when I filed Chapter 7 BK.  All were $0 balance but still closed when I filed.  It discharged last March 2024 and I've already marked April 2029 on my Google Calendar as I've read they won't approve you until five years post BK even if you didn't burn them.  I loved the Platinum card especially because you got Centurion Lounge access in airports.

[Zoostation1]

Congrats on getting back in.  You'll need to wait 91 days to request a CLI (the button will be greyed out before then).  Sometimes they'll not approve one the first time you request if it was a borderline approval, but many have gotten 3x CLIs.  I have a BK on my file (didn't burn Amex) and took me 2yrs after getting approved before they'd give me a CLI.

[ChameleonBob]

Congrats!

Feels good for a company to give you another shot at a botched relationship. 

[MrsCHX]

Congrats, OP! That is huge!! 

I have decided I'm not even going to poke that bear until the BK drops off (discharged 2/2019). I burned them for a few thousand or so but have hopes for a future relationship. 

Glad you were able to get back in.