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I wanted to say thanks to the forum for advice. I filed Chapter 13 in 2005. AMEX was part of that settlement. I applied for the BCE and was denied. I tried to recon and was denied again.
I know my credit has gotten much better because in the last 30 days I recently applied for the Discover IT card and was approved $3K, Cit Diamond $3K, USAA Rewards Visa $4k, PenFed Visa $20K, Chase Sapphire $5K. I had to recon on the Chase Sapphire because they were part of the BK settlement as well, Fortunately for me I had maintained a WAMU visa (Chase later purchased them) throughout the ordeal with a $5k limit, and a checking account with Chase so I think that might have made a big differnce. So now i am off to the garden for a while to watch my credit grow.
Does it matter if I try to apply for the AMEX charge card versus the credit card?
I asked the agent am I blacklisted with them for life, and I got she responded that it depends, but she couldn't approve me at this point due to them cancelling my account.
Yep, you have to pay them back before they will give you another card. Amex gives second chances but they have to be paid first.
Amex is not what's known as BK friendly around these forums.
Best advice would be to focus on Chase, since you already have a good relationship from which to build.
@webhopper wrote:Amex is not what's known as BK friendly around these forums.
Best advice would be to focus on Chase, since you already have a good relationship from which to build.
If the OP pays back the debt they'll have a better chance of approval.
But I agree I would stick with Chase for the time being because you have a relationship with them.
@Jamisonke wrote:
Just one note: I have not paid back the old charge off included in my Bk. If they asked me to do so, I'd tell them to go fly a kite. I have plenty of love from other lenders (Chase, Discover, Citi, Wells Fargo).
I think your in that YMMV slipped through the cracks category. Hopefully they wont bring it up.
@Jamisonke wrote:
That could be so. It also could be that they reevaluated me based upon significant income and the credit profile I have established. Honestly, though, who knows?
This is true too. AMEX is a different kind of beast they go all over the place with approvals, denials, FR's. You have to thick skinned to deal with them sometimes.