Looking to get back in with AMEX....

[sjt]

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@Dhani76 wrote:

No....I am paying right away. But mean I will take some time to wait for the payment to be received and processed THEN utilize the pre-qualify tool.

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Its a moot point because Amex requires 5 years post BK filing.

[ninjab3ar]

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@Sauron wrote:

I am dealing with a similar issue. I filed CH7 02/2017. Burned AMEX for about $2000. You need to be 5 years 1 month clear before they will approve as well as pay them back in full. I mailed in full payment they will have you a reference number an address. About 15 days after the checks cleared I tried applying and they finally gave me a HP. App applications before that did not HP. Sadly came back denied for a different reason but I should have that all cleared up in the next few days and reapp.

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This helps me as I just paid my balance in full $900 a couple days ago. My ch 7 was discharged in 5/2017 and they were IIB. It's been more than 61 months but I was not sure how long to wait before trying to apply. I wanted to wait long enough for their system to hopefully remove me from

their black list.