Naturegrl, Member
@madmoxie3
Funny I saw this post after being declined for chase freedom (recommended by wallet hub)and right after I tried for the pre approval with Amex (not recommended by wallet hub) lol and was pre approved. I moved forward and was approved online for $1700 with the delta sky miles. There is an annual fee of $250 but that's the price of getting your foot in the door after BR. I am 5yrs post BR and started out with $500 capital one about 1 year after Ch7.
cap one $5500
cap one $2000
credit one Amex $1500
Nordstrom $2500
current score 704

The Amex EveryDay® Credit Card from American Express
Keyaira Sutton, WalletHub Analyst
@keykey
Yes, you may be able to get approved for the Amex EveryDay after bankruptcy, but there are no guarantees. Amex takes into consideration all aspects of your credit history, but has no disclosed restrictions with regard to bankruptcies. While there are online consumer reports indicating approval several years after having a bankruptcy discharged, approval odds will depend on the specifics of each applicant’s credit.
Amex EveryDay requires a credit score of 700, at a minimum. That means you need good credit or better to get approved. Aside from you credit score and history, other factors such as your income and debts will play a role in getting approved.
To gauge your chances of approval, you can check to see if you pre-qualify for the Amex EveryDay or other offers. While pre-qualification does not guarantee approval, it will give you an indication of your odds and whether it’s worth applying. Unlike an application, checking for pre-qualification only triggers a soft inquiry on your credit report and does not affect your credit score.
If you fall short of the Amex EveryDay’s requirements, you can consider some of the best bankruptcy credit cards and focus on rebuilding you credit after bankruptcy.
David Klem, Member
@davebflying
This is technically not an answer to the question but I had a score of over 700 with a perfect on-time payment history across the board. 2016 I was contacted by a law firm and was forced into chapter 13 due to a car that I defaulted on all the way back in 1998. Yes, you read that right. They wouldn’t settle and wanted $30,000 for an $8,000 debt. I lost a few credit cards which I have since then recovered including a Discover card with an $8,000 limit.
Strangely, one of the cards I didn’t lose was my American Express Preferred Everyday card. It was paid in full and not included in Chapter 13. Although it still only has the $1000 limit that it came with after I applied for it, it has mysteriously never been pulled. I haven’t been brave enough to request a higher credit limit lest they find the neg on my report. (LOL) It is still paid in full and on time with auto-pay every month. It boggles my mind every time I think about it. I’ve had all on-time payments since 2010.
People also ask
Did we answer your question?