Credit cards after chapter 7 bankruptcy?

For just about anything you want to get off your chest about credit cards.
16 posts
DavidNY
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Postby DavidNY » Sat Aug 20, 2011 12:04 pm

ooxs wrote:The product change you suggested will be a good option if that option is available. One thing that is confusing me is how can i get approved for one of their card but denied for another because of past experience?


To me a credit line is a credit line. I've switched products numerous times with various banks. The only way to know is to call Amex and ask, the worst they can say is 'no'.


ooxs
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Postby ooxs » Sat Aug 20, 2011 2:27 pm

I agree, i will call them and update this posting as soon as i get an answer.

Money card
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Postby Money card » Sat Aug 20, 2011 11:07 pm

the reason is this. Nobody really uses the clear card that much, I stand online looking at other peoples credit cards and most use Chase, Bank of America , TD Bank, Citi and Discover, I have also seen people use the Gold, Green and Platinum at assorted stores.

At Costco while getting a gift card I've seen people use a Hilton, Optima Platinum and Gold Delta but I've never seen anybody anywhere use the clear. I'm sure it's a very nice card it's just not popular for shopping, or business traveling

while the Gold Delta is used generally for business and a very popular card, being the situation you're in American express wouldn't mind you having a clear card. But I think the Delta Gold would be hard for you to get.

ooxs
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Postby ooxs » Tue Aug 23, 2011 6:59 pm

Spoke with American Express today and the short answer is yes you can "request" to have the clear card switch to Delta Reserve Card if the account is a minimum of 13 months and in good standing. The request is will require a credit review but not a hard pull required for new application. I am happy and the clear card will work for me with my travel.

ooxs
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Postby ooxs » Fri Aug 26, 2011 3:26 pm

I just wanted to update this thread that while gathering my old paper work to dispute the filing/discharge date of my bankruptcy, i noticed that American express was NOT listed as one of my creditors. I can only conclude that they were one of the few accounts i was struggled to pay or forced my EX to pay before filing and did not recollect. I wish i have a way of editing the posting/thread so i don't deceive readers but unfortunately I cannot. I guess it make sense now why i was approved

Money card
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Postby Money card » Sat Aug 27, 2011 12:49 am

Good to hear about your clear card. something different from the Blue and premium cards. I'm glad you like using your clear for business.



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