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Posted in Bankruptcy
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Question By
siswoman5

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will i be able to get an american express card after 9 years of bankruptcy

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amex

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If you ever went bankrupt on american express iwas told you can never get their card again.

Reply by
alexlitke

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Not necassarily true, i was approved for an amex corporate card !~3 years after a bk7 on a personal amex.  Yes it is a corporate card, but my credit was pulled by amex before they approved and I paid off the bk amount before the application was turned in.  YMMV...

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Amex

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I was approved for a Amex green card. I have fair credit below 700. My advice wait until they send you an invite through the mail you will most definately be approved. I have done some research and from what i have been told Amex uses Experian first,Equifax second, and rarely use Transunion. Once i was approve i compared my scores and Experian was 31 points higher than Transunion. try this site creditsesame.com its free and they use Experian. I think its good to no where you sit with the different agencies.

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Helpful to 2 out of 3 people

Since bankruptcy remains on your credit report for 10 years, it's not likely.  I've been turned down for an AMEX card and have a "good" credit score.  AMEX is really choosy about who gets a card.

Reply by
siswoman5

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Helpful to 1 out of 1 people

I've read in other forum that some people were approved with an amex card after 8 years of bankruptcy. Jwsister, have you ever had an amex?

Reply by
siswoman5

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Helpful to 3 out of 3 people

I have an eight year bankruptcy and were approved on May 3, 2014 for an amex blue credit card.

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First time

Never had an amex and 2015 I had a BK. This year the company I work for got me an amex through the comapny. Will this make it easier to get one now?

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AMEX Policy

Helpful to 1 out of 2 people

I had a chapter 7 three years ago.  My credit score is already up to 750-760 range.  I had been an AMEX customer for 15+ years prior to the bankruptcy.  They told me even though my 30 years or prior credit history was excellent (minus the bankruptcy) and the history since then in spotless, and I have a $300,000k annual income, that as long as the bankruptcy showed on my credit report, I could not get an AMEX card.   Go figure- their loss....

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I got shot down 10 years after

I BK'd and "yes", they were a creditor. They didn't even bother to do a credit report when I applied (I'm fully reestablished with low ratios, stable job history and a perfect payment history including mortgage).

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my experience

I was approved for a Delta Skymiles business and personal card 15 days shy of 7 years on my bk. I did not burn Amex though. My score was 714 EX

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Amex

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Now, think about this very hard, WHY WOULD YOU WANT TO??

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