topic Re: Filed for Chpt 7 awaiting discharge in Bankruptcy

Filed for Chpt 7 awaiting discharge

happyc01 — Sat, 29 Sep 2012 19:56:21 GMT

So I bit the bullet and filed chapter 7 Aug 8 2012... I had my meeting of the creditors Sept 12th... I am so excited because I know I can see the light at the end of the tunnel. I applied for Captial One Platinum and was approved for $300.

I applied for credit one and was declined. Dont want to keep applying. Im giving back the car after the discharge is sent. Gonna go to auction and buy a car. Would like to have 2 credit cards but what would you guys advise.

Looking forward to the advise:)

Re: Filed for Chpt 7 awaiting discharge

4us- — Mon, 01 Oct 2012 20:43:40 GMT

Congrats on the Cap1 card! I'm afraid to apply to them, I included them in my bk. Most of the advice I have seen on here is to join a credit union and to get a secured CC. Good luck on your journey!!

Re: Filed for Chpt 7 awaiting discharge

aussiesareforever — Wed, 03 Oct 2012 00:40:08 GMT

happyc01 wrote:
So I bit the bullet and filed chapter 7 Aug 8 2012... I had my meeting of the creditors Sept 12th... I am so excited because I know I can see the light at the end of the tunnel. I applied for Captial One Platinum and was approved for $300.

I applied for credit one and was declined. Dont want to keep applying. Im giving back the car after the discharge is sent. Gonna go to auction and buy a car. Would like to have 2 credit cards but what would you guys advise.

Looking forward to the advise:)

I had only one credit card for almost three years post bk. It was also a capital one. It worked fine for me and I was able to get other cards fairly easily after that point. At the bare minimum, I recommend using your capital one for at least six months, building some history and applying for another card. Your local credit union is almost always a great place to look.