Navy federal AMEX approval

[Creditwiser]

And Congrats on your approval !

[DONZI]

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@shasta wrote:

thanks, everyone, I didn't know it wasn't a real AMEX

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Nice card, enjoy!

It sort is a 'real' amex although that's not maybe the best word to describe the card.. You can now probably use amex connect via NFCU and also IIRC some of the other benefits are real amex benefits too.

[CH-7-Mission-Accomplished]

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@shasta wrote:

I had an AMEX gold card for 10 years, closed the account, got a regular one, and had it for a couple of years. It was foolishly included in bankruptcy (it was paid off and I was in good standing). I am 6 years post-bankruptcy discharge and I've tried a few times to get back in with AMEX and they said no because of the bankruptcy.

I've had a Navy federal account for years and didn't really use it much, but they approved me for a toy limit of $500 on their AMEX card. I reconned to no avail.

Does anyone think this is a step in getting back in good graces with AMEX, even though it's through Navy federal?

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Keep checking the AMEX pre-quals.   There are a lot of data points here on myFICO and on other credit fora that show people with BK's getting in at 61 months post-filing if they did not burn AMEX.   If AMEX took a loss, it's at least 10 years and maybe 20-plus.   You should be able to get back in with them now.   You might contact them and confirm that they don't show you having burned them for any money.

[FireMedic1]

Congrats. You still get some nice AMEX perks with the card even though it isnt a true AMEX Card:

https://www.navyfederal.org/loans-cards/credit-cards/more-rewards/features.html 

[sznthescore]

Congrats on your approval! The card will grow... I have the card as well, it almost compares to AMEX BCE.

[JoeRockhead]

Congratulations on the approval!

[GZG]

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@shasta wrote:

 but they approved me for a toy limit of $500 on their AMEX

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enjoy the SUB right now

and you can earn 25,000 bonus points (a $250 value) when you spend $3,000 within 90 days of account opening. 

Plus, you can get a one-time $49 statement credit when you purchase an annual Walmart+ subscription (half off

[alextercero]

Congrats on the approval

[Jeffster1]

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@CH-7-Mission-Accomplished wrote:

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@shasta wrote:

I had an AMEX gold card for 10 years, closed the account, got a regular one, and had it for a couple of years. It was foolishly included in bankruptcy (it was paid off and I was in good standing). I am 6 years post-bankruptcy discharge and I've tried a few times to get back in with AMEX and they said no because of the bankruptcy.

I've had a Navy federal account for years and didn't really use it much, but they approved me for a toy limit of $500 on their AMEX card. I reconned to no avail.

Does anyone think this is a step in getting back in good graces with AMEX, even though it's through Navy federal?

---

Keep checking the AMEX pre-quals.   There are a lot of data points here on myFICO and on other credit fora that show people with BK's getting in at 61 months post-filing if they did not burn AMEX.   If AMEX took a loss, it's at least 10 years and maybe 20-plus.   You should be able to get back in with them now.   You might contact them and confirm that they don't show you having burned them for any money.

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I IIB Amex and got back in at 61 months exactly. 

[CH-7-Mission-Accomplished]

That's great!   How much did you burn them for?   I'm coming up on 10 years and I regularly try the pre-qual button and they always send me a letter telling me "go away, we don't like you anymore."   LOL.