I filed for bankruptcy in Dec 2015 and the trustee fully discharged it in January 2019. American Express was out almost $50,000 on 2 cards.
I began getting credit card offers almost immediately, but held off at first. Eventually I got a VISA card and a MasterCard. Within a year my credit had shot back up from 650 to 840. Credit Karma and Experian keep sending me notices about cards I’m “highly” likely to get approved for, all with soft pulls.
Every time I apply for a Delta AmEx card there (I really want the free checked bag benefit), I get instantly turned down. Like, neck-snappingly fast. Some have said AmEx would still turn me down from the grave, and I believe it.
Today I got a credit card offer from Bread AmEx/Comenity Bank in my USPS mail. It said I was pre-approved. On a whim I scanned the QR code, entered the offer number, reviewed my pre-filled data, and hit “Submit”. I was immediately approved for a $10K limit card.
Does this mean I’m back in American Express’s good graces? Something tells me they’re going to realize tomorrow what they’ve done and cancel the card. If that doesn’t happen, have my odds improved for applying for a Delta Airlines AmEX card? I still can’t believe my eyes.
submitted by /u/inredditorbit
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