AMEX with BK

[Siopao]

---

@pizza1 wrote:

---

@Siopao wrote:

I've been seeing that members have been able to get an AMEX with a BK on their reports.  I've read that they will start accepting people with a BK7 after 5 years.  Is that 5 years after filling or discharge?

I tried to apply with AMEX and was instantly denied to my BK.  My file date is 10/31/2011 but my discharge wasn't until 2/2012.

---

OP....They may or may not approve you solely for your Charge off with them.  If you paid them back...it looks good, if not, they will know the second you apply. They may ask to be paid back first, but you wont know until you apply.  See my other post here in your thread.

---

Thank you for the advice Pizza1.  The charge off was a little over 23 years ago.  I don't even remember the amount, but I'm sure it was under 1k since I wasn't make much at that time.  I don't have a problem with paying them back if they request it.

[Siopao]

---

@Billybob_TX wrote:

5 years after filing. Try on November 1st and I bet you get in if there are no negatives since the BK. Good luck!

---

Thank you Whipster.  I may try around November.  Either way I'll update this thread when the time comes.

[Siopao]

---

@pizza1 wrote:

---

@Billybob_TX wrote:

5 years after filing. Try on November 1st and I bet you get in if there are no negatives since the BK. Good luck!

---

I would do 5 yrs and ONE day AFTER the DC date to be on the safe side. ......thats my opinion though.  People that have been approved most have been approved after DC date, not filing. 

---

How does AMEX know when my DC date is?  I looked at my full Experian and it only show the file date.

I'm just trying to figure out when to apply with them.  Thank you!

[morgacj2004]

5 yrs minimum if u did not burn them. There have been rare exceptions. U might get lucky.

[Siopao]

Just wanted to update the thread.

I apped on Nov 5th and didn't get an instant decline like I normally would so that was a good sign!  I had to call and confirm my information and the rep welcomed me to American Express!  Starting credit line of $2,000.  I'm happy that I'm back in with AMEX!

My BK discharge date isn't until 2/2017.

[Anonymous]

Congrats!

[Anonymous]

---

@Siopao wrote:

Just wanted to update the thread.

I apped on Nov 5th and didn't get an instant decline like I normally would so that was a good sign!  I had to call and confirm my information and the rep welcomed me to American Express!  Starting credit line of $2,000.  I'm happy that I'm back in with AMEX!

My BK discharge date isn't until 2/2017.

---

So, you are saying you were approved by Amex with an open BK? If this is the case, be careful with your Trustee. On another note, it doesn't take 5 years post BK to get back in with Amex. I was just approved for the Amex Everyday Card 4 months post BK discharge and I included them in my BK. 

Every file is different and is treated accordingly. Don't be afraid to apply for another. 

[Scupra]

---

@Anonymous wrote:

---

@Siopao wrote:

Just wanted to update the thread.

I apped on Nov 5th and didn't get an instant decline like I normally would so that was a good sign!  I had to call and confirm my information and the rep welcomed me to American Express!  Starting credit line of $2,000.  I'm happy that I'm back in with AMEX!

My BK discharge date isn't until 2/2017.

---

So, you are saying you were approved by Amex with an open BK? If this is the case, be careful with your Trustee. On another note, it doesn't take 5 years post BK to get back in with Amex. I was just approved for the Amex Everyday Card 4 months post BK discharge and I included them in my BK. 

Every file is different and is treated accordingly. Don't be afraid to apply for another. 

---

OP filed a BK7 and is 5 years post file date, the BK is not open.

The reason you were approved 4 months post discharge is because you filed a BK13. AMEX requires you to be 5 years post file date. In most cases a BK13 lasts 5 years

[Siopao]

---

@Scupra wrote:

---

@Anonymous wrote:

---

@Siopao wrote:

Just wanted to update the thread.

I apped on Nov 5th and didn't get an instant decline like I normally would so that was a good sign!  I had to call and confirm my information and the rep welcomed me to American Express!  Starting credit line of $2,000.  I'm happy that I'm back in with AMEX!

My BK discharge date isn't until 2/2017.

---

So, you are saying you were approved by Amex with an open BK? If this is the case, be careful with your Trustee. On another note, it doesn't take 5 years post BK to get back in with Amex. I was just approved for the Amex Everyday Card 4 months post BK discharge and I included them in my BK. 

Every file is different and is treated accordingly. Don't be afraid to apply for another. 

---

OP filed a BK7 and is 5 years post file date, the BK is not open.

The reason you were approved 4 months post discharge is because you filed a BK13. AMEX requires you to be 5 years post file date. In most cases a BK13 lasts 5 years

---

Thanks for clearing that up Scupra, I can see how that was misunderstood though.  I should have said that my BK7 5 year anniversary isn't until 2/17

[Anonymous]

I was dc in Sept. recvd Amex in January. They told me that I could never get an increase as long as Bk was on my report. The minute it dropped. I got the 3x increase. Sometimes there are no hard rules.