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Just got Amex after Chapter 7

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New Member

Just got Amex after Chapter 7

Hi All,

This seems to be a popular topic so I thought I'd share my story.  I filed BK7 in 2011, (discharged 10/2011); burned Amex for around $15k.

I had the Green card since 2000.  Applied several times this year and was denied with no hard pull and the reason ,"Amex closed your previous account...".  I tried again on Nov 4 and much to my surprise was approved for the Green card!  They put my "Member Since" on my card at 2009 for some reason, but on the website and app it says 2000. They pulled EX 727, my income is $65k and they set my "pay over time" limit at $20k.

 

Message 1 of 7
6 REPLIES 6
Valued Contributor

Re: Just got Amex after Chapter 7

Congrats on the success, great to be back in with Amex!


Message 2 of 7
Valued Contributor

Re: Just got Amex after Chapter 7

Cool story, BD. Nice perseverance on your part -- many people would've quit trying. Congratulations! 

Any plans to app other Amex cards?

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (01/18/2020): FICO 08 EXP: 744; TU: 748; EQ: 748
2019 Goal Score: 800 across the board


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Message 3 of 7
Super Contributor

Re: Just got Amex after Chapter 7

Congrats!

Message 4 of 7
Frequent Contributor

Re: Just got Amex after Chapter 7

Lucky, I burned them for $2,000 on a gold card with a discharge date of 7/2011. Everytime I apply I get the “denied to to recent account closed by american express”. Even though im an AU on a $30k hilton card with them. So annoyed... id like to add a delta card to my collection 😥
Citi TY MC (AU) $30,000 |Hilton Amex (AU) $30,000|USAA CR Amex $28,000 |Chase United $22,000|Nordstrom VS $25,000
PenFed Rwz VS $30,000 |Quick Silver $13,000 |BAC Cash Rwz $25,000|BBY Visa $10,000|PenFed LOC $25,000 | Lowes $30,000 | Care Credit $15,000 Discover It $6,600 |Costco Visa $5,000 |Consumer CCU VS $10,000
NFCU Flagship $19,800 |State Farm Visa $4,000 | Marvel MC $10,000| NFCU LOC $15,000| Wells Fargo 360 Amex $9,500| Citi AA $9,000| Huntington $6,500| BCU loc $25,000| Cap1 savor $10,000| PenFed Amex $7,500

Total Credit line $421,000 | FICO as of 8/3/2019 TU 730 |EQ 699 |EX 697| UTI 2%
Message 5 of 7
New Member

Re: Just got Amex after Chapter 7


@James_A wrote:

Cool story, BD. Nice perseverance on your part -- many people would've quit trying. Congratulations! 

Any plans to app other Amex cards?



No. I think I'll lay low for a while. Don't want to poke the bear.

Message 6 of 7
Senior Contributor

Re: Just got Amex after Chapter 7

Congratulations on getting back in with AMEX!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 7 of 7
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