It is not discharge, it is file date. BKs drop from your credit report either 7 or 10 years after filing date. When you look at your credit reports, they show the filing date and "last status update" date (which is usually the discharge), so depending on how long the process took, your credit file may never even show a discharge date. As for Amex, I got my BCP the month after my BK filing date was 5 years old (that was last year). I will say, I hve tried a couple of times to get a credit limit increase and they haven't approved it, both times citing the bankruptcy (it was a 13). I put a ton of spend on it, pay in full every month, and have a decent credit score (low to mid 700s) and make close to 6 digits per year so I would be an easy CLI outside of the BK.
