Put me in the Game!

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
9 posts
trapstar1
Green Member
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Joined: Tue Feb 03, 2015 5:23 pm
Location: USA

Put me in the Game!

Postby trapstar1 » Tue Feb 03, 2015 8:16 pm

I filed for Chap 7 in AUG 2005, discharged in NOV 2005. Over the years I have gone up and down with credit but have always paid my bills. I was able to purchase a home three years ago, my biggest purchase since I brought my first house in 1993. Last week I checked my credit report and I'm showing in the 700's on all reports. I have been reading many posts over the past 48 hours trying to gauge whether I should stick my neck out and try for a MAJOR card or should I just do some "gardening" for two more months to bring two Revolvers down to zero. I want to pull the trigger, but hate to get the declines. What should I do, what card will I have a better chance at getting?

Cap 1 Plat: $1k
Port Alliance 3300


Battery111
Centurion Member
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Posts: 284
Joined: Wed Apr 09, 2014 9:40 pm
Location: Lawton, ok

Postby Battery111 » Tue Feb 03, 2015 9:37 pm

I think the answer to your question really depends on how long you've had the cards in your signature. If you've had them for a while now (year or two) then you're probably good to try for something prime depending on your income and assuming the BK is the only negative on your report. That one is pretty old at this point so I doubt it would have a huge effect, although it will obviously be better towards the end of the year when it finally falls off (a date I'm sure you've been looking forward to for years.

If you have other lates since that, then I can only imagine a creditor would be a bit wary of you. They see someone who declared bankruptcy, then failed to make timely payments since then. Big red flag. Another consideration would be the banks involved. I don't know the details of your bankruptcy, but if you stiffed any credit card issuers during that, they may be understandably reluctant to issue you more credit, even after the BK falls off. AMEX is famous for this, but if I were a bank I certainly wouldn't want to give credit to someone who left me holding the bag previously.
Citi AAdvantage Executive World Elite MasterCard
AMEX Platinum
AMEX Everyday Preferred
USAA AMEX
Discover IT
Chase Freedom
Chase Sapphire Preferred
NFCU nRewards Visa

trapstar1
Green Member
Green Member
 
Posts: 14
Joined: Tue Feb 03, 2015 5:23 pm
Location: USA

Postby trapstar1 » Tue Feb 03, 2015 9:58 pm

I know for sure I didn't stiff AMEX, only one that I have ever gone back to is CAP 1. I have been with them every since my discharge. I do think that NFCU and I might have some bad blood, but I'm thinking about going to them to try and reconcile that part of my life and start over with them.

trapstar1
Green Member
Green Member
 
Posts: 14
Joined: Tue Feb 03, 2015 5:23 pm
Location: USA

Postby trapstar1 » Wed Feb 04, 2015 11:01 pm

Update:

Approved for AMEX Green and Delta Gold. Would like one signature VISA, any suggestions?

ingramjuan
Centurion Member
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Joined: Thu Nov 20, 2014 5:32 pm
Location: EARTH

Postby ingramjuan » Fri Feb 06, 2015 12:31 am

Congratulations, did you apply for both cards at the same time and or twice (Hard Pulls)
CARDS:
Capital One Platinum (2001) |Capital One QuickSilver World (2002) | Amex Gold Delta (2013) | Best Buy Visa (2013) |Discover It (2015) | Amex Platinum (2015)

Gardening Since: June, 2015

Next Cards:
Personal: Chase Freedom Unlimited
Business: Amex Plum
Store Card: Lowes

Battery111
Centurion Member
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Posts: 284
Joined: Wed Apr 09, 2014 9:40 pm
Location: Lawton, ok

Postby Battery111 » Fri Feb 06, 2015 7:18 am

trapstar1 wrote:I know for sure I didn't stiff AMEX, only one that I have ever gone back to is CAP 1. I have been with them every since my discharge. I do think that NFCU and I might have some bad blood, but I'm thinking about going to them to try and reconcile that part of my life and start over with them.


I'll be curious to see how successful you are with NFCU. They're a pretty generous lender, but I've heard of them being real hard asses about certain things.
Citi AAdvantage Executive World Elite MasterCard
AMEX Platinum
AMEX Everyday Preferred
USAA AMEX
Discover IT
Chase Freedom
Chase Sapphire Preferred
NFCU nRewards Visa

trapstar1
Green Member
Green Member
 
Posts: 14
Joined: Tue Feb 03, 2015 5:23 pm
Location: USA

Postby trapstar1 » Fri Feb 06, 2015 8:51 am

I had NFCU on my BK 7, I'm thinking they would be hard asses

takeshi
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Location: US

Postby takeshi » Fri Feb 06, 2015 9:20 am

trapstar1 wrote:Would like one signature VISA, any suggestions?

As with your other thread: what are you specifically looking for? You need to give us something to work with to narrow down the options. Approval odds won't help as we can't determine your odds.

trapstar1
Green Member
Green Member
 
Posts: 14
Joined: Tue Feb 03, 2015 5:23 pm
Location: USA

Postby trapstar1 » Fri Feb 06, 2015 2:47 pm

I'm a simple guy takeshi, for now a regular CC with a 3500 limit. I can manage that and build for all the extras down the line.



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