applied for amex zync: denied :(

[Anonymous]

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@noobody wrote:

when people talk about Bk and amex, is it matter BK include Amex (they lost money on you) vs BK not including Amex?

I guess it would make some difference

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there is a difference well to a point. they will almost certainly deny you if you have a bk on file. now once that falls off the reports then you should be good to go with amex assuming you havent had any more derogs. now if you filed bk with amex then you would be blacklisted from them

[Anonymous]

i never had an account with amex: never bk'd them.did not have a bunch of inquiries.one was from 2010 most recent was a mortgage in march.only 3 open accounts.2 revolving less than 1% reporting.1 installment 1900/3000 showing. there was only 1 reason listed for denial-bankruptcy. it did not say recent bankruptcy. i knew i was taking a risk for the HP.i pretty much have burned bridges with all other major creditors.im pretty sure i would be wasting another HP if i decided to app with them again as long as my BK is showing.

[Anonymous]

Again I guess it's always YMMV with this situation. I have an 8 yr old BK (actually it will be in Sept) I was recently approved for a Zync. I had previously applied 2 years ago and was denied for it. I didn't have nor include an Amex in my BK..

Not sure if this even makes a difference, but I did have an USAA Amex & Dillards Amex..I know those aren't true Amex just on the network, but like the prepaid Amex, not sure if since I handled these perfectly if that helped any at all..I have seen or read people with a few year old BK getting an Amex..So I'm not sure if it's because we have rebuilt after BK sooner than others or what..

Wish I could help more...

[Anonymous]

If it's AMEX and a BK, you're pretty much stacking up the odds against you, unfortunately.

[Anonymous]

well i got an email from amex saying i recently applied for one of their products and although they couldn't approve me for it at this time, they gladly invite me to apply for.....their prepaid card! lol

[Anonymous]

How nice of them. :/