| by Mr Credit Card |
This is a recent email I got from Stu.
how difficult is it to get a new amex card after filing bankrupcy, I paid them in full before filing
Answer – Stu – to get to the bottom of this, I actually called American Express. The first person I spoke to was from customer service and she was not able to answer that. Then she transferred me to “new accounts” and this was the answer I got from them.
A bankruptcy stays on your credit report for potentially up to 10 years. As long as you have a bankruptcy record on your credit report, American Express will not approve the card. I then asked them if someone could put you as an authorized user on an Amex Card. The answer was it should not be a problem though he cannot be 100% certain about that.
So there you go, the short answer is no.
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October 1st, 2010 at 03:55
Correct, they will not give you a card if you filed for bankruptcy in the last 10 years. I just finished 3 hours of calls with them. This is true even with a high six figure annual income, plus 500k in THEIR savings account program.
November 12th, 2010 at 14:22
I just got approved for a american express delta skylines card. I have a bk on my credit for the past 8 yrs
March 14th, 2011 at 11:34
Interesting that a “branded” amex card works…. I wonder if the same is true with branded Visa/Mastercards Anyone know if it is easier to get a branded unsecured card?
March 25th, 2011 at 05:48
Hi,
I had to put my 2 amex under chapter 7 4 years ago (2007) I never wanted to include them but my lawyer said I had to.
i spoke several time with their customer service and they told me that if I volunteerely pay them back they would accept another application from me and they would base their decision only on my actual credit report.
I have a great lawyer and I removed all negative items from my credit report 2 years after filing bankruptcy.
I pay amex the 4000$ i owed them and they re-issued me the card with no problems.
I spoke with Mrs. Boke at the time.
If she is still working at the Amex approval dept. she might be able to help you.
Keep this forum updated.
Hope this helps,
Davide
March 27th, 2011 at 19:11
We filed two cards with them chapter 7, 6 years ago. My mom tried to add me as an authorized user and it appears I’m completely blacklisted. I have a 6 figure income as well as credit score over 700 now. I had perfect credit at the time of filing and no late pays after so my score recovered quickly. I guess I’ve always wondered if after 10 years I’ll be able to pick up an AMEX or am I on a lifetime internal no-no list with them??
September 5th, 2011 at 22:08
I had a card in 1987 and filed bk. I offered to pay them back 10 years later and reapply. Each time they said I could pay them back but they could not guarantee they would issue a new account. My question is why bother? If you pay them even if they have been charged off and they won’t reissue a card…then you paid them when you didn’t have to and they got their money and you’re still out the card. I gave up 25 years later they still will not issue a card and my score was 780. they keep all your info in a database and if you read the card agreement it tells you if you have “ever” had a bad account they will never reissue you a card.