Corporate Credit Card post-bankruptcy 18 June 2020 at 9:00AM in Bankruptcy & living with it 3 replies 71 views

GillsMan7

My employer has said that they want to give me a corporate credit card (which doesn't seem necessary right now as I'm not travelling anywhere). I can't find out whether personal credit impacts likelihood of getting a business credit card, but my situation is that I'm a discharged bankrupt (approaching 2 years discharged). To potentially complicate matters, one of my creditors when I went BR was Amex, who of course are the corporate credit card my employer uses.

What are my chances of being able to have this card? My wife thinks I should just roll with it and see if I get it. But I'm diligently building up my credit profile and don't want a decline on my record if I can help it. Can anyone advise?

luvchocolate

Surely this card will be paid by your employer so they will have applied for it. 
I wouldn't think your credit report would be searched. 
During my BR my son got me a credit card on his account for emergencies 
The card had my name but he was liable for the bills 

mwarby

Declines aren't reported on your credit history, only searches and accounts which have been opened. While not having loads of hard seraches is normally good advice, the impact of a few hard searches for someone with bankruptcy showing will be tiny. Don't just apply for any and everything, but no need to fear the odd search

[Deleted User]

Check  with your employers, but it's highly unlikely the agreement will be in your name.

Worst case scenario is that there is a search but there will never be a decline on your record, as of course declines aren't shown.