Amex or Citi w/bk?

Discussion in 'Credit Talk' started by MakeItSo34, Jul 19, 2002.

  1. MakeItSo34

    MakeItSo34 Well-Known Member

    has anyone been successful getting a citibank card or amex card with a bk on the report?

    if so, what card product did you get?

    tia
     
  2. Dani

    Dani Well-Known Member

    Did your BK include either Citi or Amex?

    Dani
     
  3. Mirage

    Mirage Well-Known Member

    From what I understand Amex will not issue any product with a bk on file. Dogman is the only poster that I know of who convinced Amex to over-ride the bk.

    Since than other posters have posted that over-ridding a bk is no longer allowed at Amex.

    As for Citibank, I think they have a 7 year rule. It's not gospel, but will they will consider you after 7 years.

    Of course this is assuming that you did not bk on them.

    Generally speaking, most if not all prime cc lenders will not extend credit with a bk on file. Heck some of the prime lenders will not even issue a secured card with a bk on file.

    As for me, I have a bk-13 on file from 1996. During this period I have applied to Citibank and Amex (more than three times, for the Green, Gold and the once offered secured Optima).

    I am not going to waste anymore inquiries on them until my bk fall off.

    Best regards,
    Mirage
     
  4. dogman

    dogman Well-Known Member

    right SAM - and you know that if AMEX does give a card - do not expect to be upgraded to anything until it disappears!

    later - dogman
     
  5. jr

    jr Well-Known Member

    I have a 1998 bk that I included Citibank and I did get approved for the secured Washington Mutual Visa issued by Citibank.
     
  6. dogman

    dogman Well-Known Member

    Hi JR! I know - you gave me reason to go for the WAMU risk - based pricing card :)

    aarrff - dogman
     
  7. jr

    jr Well-Known Member

    Hey Dogman, nice to hear from you again. The Washington Mutual Visa card "classic" is a nice looking card. The online website is easy to use. I got this card because I needed a replacement card for my FCNB mastercard that I closed. I hope you get your Washington Mutual Visa card. I wish you good luck !
     
  8. mj

    mj Well-Known Member

    Yup- my Ch7 was 7 years old in June, and they approved me - no additional pleading needed. It wasn't instant on-line, but did happen w/in the next day or two.

    Amex used to do it after 7 years, but no more according to a rep I spoke with. Chase, FUSA also can't do it while it still shows on your CR.

    B of A will consider it - you may have to plead your case.

    Good luck,
    mj

    PS: all this assumes you're not on a blacklist (don't expect Citi to give you a card if you BKd on them).
     
  9. Marie

    Marie Well-Known Member

    Amex will give you a corporate card or an AU card with a bk on your history assuming you didn't bk AMEX (that will put you on their blacklist).

    However, as you know, if you bk Amex and then repay them in full... 1 year afterwards you're clear of the blacklist and may apply for a corp or an AU card.

    Or, you may repay Amex and then try for an AU or corp card while still on their blacklist. I did that and got it without having to ask for reconsideration. They saw it was paid and issued ;)

    So you can have an Amex... it's the type of Amex you can have. As for a real card on your own, the bk must now drop... but that may change in the next year or 2 as the economy picks back up (everybody is a bit tight right now).
     
  10. Marie

    Marie Well-Known Member

    1. what's the Washington Mutual secured card annual fee? Interest rates?

    2. Does it report? if so, as citi/wamu? secured or no notation?

    thanks ;) it doesn't say on the WAMU website ;)
     
  11. Nave

    Nave Well-Known Member

  12. MakeItSo34

    MakeItSo34 Well-Known Member

    mj
    how did you find out you were approved for the Citi Illumina? were you contacted or did they contact you?
    tia
     
  13. mj

    mj Well-Known Member

    I called and several days later was informed I was approved.

    -mj
     
  14. MakeItSo34

    MakeItSo34 Well-Known Member

    thanks for the info..
     
  15. jr

    jr Well-Known Member

    Hi Marie, annual fee is $35, interest rate is 16.05% for purchases and cash. The card does report as Assoc/Citi, Installment account secured.
     

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