I applied 2 months prior for their double cash and was denied on the spot. Now, I am 3.5 yrs post file date (CH 7) and got an approval for the costco card. They requested I call in to speak with them. I called, got put on a 2-3 minute hold twice, then she came back and said I'm approved with an $8,500 starting limit. I have never had a citicard before.
My credit has been squeeky clean since the BK. 3 car loans $150k, mortgage $400k, Current credit lines $27k w/ 5-10% Uti. Fico's currently range from 681-695.
Cant wait to get back in w/ Amex.