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Bankruptcy Friendly Credit Cards Pt.2

Community Leader
Senior Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2


CardJunkie_ wrote:

help! I received my Discover card in the mail 4 days ago. I made my account that night, logged in and looked through the card designs, then went to update my phone number in the settings, and when i tried to go back to finish looking at the card designs I got the same error message: "sorry. We're unable to complete your request at this time due to a recent change to your account". I've called customer serivce almost everyday and I keep getting a different reason as to what's wrong. They're all just guessing and no one knows how to fix it!

 

Did you manage to get it fixed when it happened to you? Do you know what the issue was or how it was resolved?

 

thanks

 


DiscoverCardFan wrote:
Just got my discover card today in the mail finally. I'm trying to go online and change the design but it's giving me a message saying "sorry. We're unable to complete your request at this time due to a recent change to your account"

Is it because I just got the card and need to wait a few days or what?

 


I have a feeling it is because your account is so new. Give it a billing cycle or two and see what happens.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
New Member

Re: Bankruptcy Friendly Credit Cards Pt.2

Exactly how did you rebuild to the limits you have? What were your time frames for applying? I am 3 yrs post ch 7 and only have c1 platinum 2K and chase 25k car approval. no lates.

Community Leader
Senior Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2


mspenny wrote:

Exactly how did you rebuild to the limits you have? What were your time frames for applying? I am 3 yrs post ch 7 and only have c1 platinum 2K and chase 25k car approval. no lates.


Welcome to myFICO! I am not sure if this question was for me, if it was... I have a running rebuild thread you can look through

 

http://ficoforums.myfico.com/t5/Bankruptcy/My-rebuild-story/td-p/3460461

 

 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Established Member

Re: Bankruptcy Friendly Credit Cards Pt.2

I feel like im ready to apply for more cards. Please help.
Scores: EQ 665 TU 650 Ex 640. Fico 9 EQ 678

Cards: C1 QS1 1.2K Credit One 1k. DISCOVER 1K (grad)
Loans: C1 Auto. 16K left. Personal Loan Lending Club 10k@33% YIKES! Just got engaged.
UTI is 7% all on my C1

Am I ready for PenFed? I want to refi the personal loan there.

Also, What cards would be in my best interest? Don't plan on using but I want to increase my available credit.

Burn list: C1, Barclays,NFCU,Chase Auto
Regular Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2


theproblem wrote:
Personal Loan Lending Club 10k@33% YIKES! Just got engaged.


You spent $10k on a ring?

Valued Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2

Absolutely nothing wrong with buying a 10k engagement ring if u can afford it. The difference is that I got my wife the same thru Blue Nile and paid it off in 12 months with zero interest. In addition I got a nice discount for using the card in the first place. Nothing wrong with credit if u use it wisely.

AX BCP 15k, (AU on ED 7k,) BC Ring 11.5K, BC Arrival+ 9.5k, BC AA Aviator 4K, AKUSA FCU -10k , Comenity Blue Nile 11k, Discover (2) 11k , Kohls-4k, CHASE Amazon Prime VS 500, BofA AK Air Siggy 9.8k, BofA Secured $500, Synchrony Cathay Pacific Visa 9k, Synchrony E-bates Visa $2.4k, PFCU Plat Rewards Siggy 18k, PFCU Power Cash Rewards 21.5 k, NFCU Go Rewards 24k , NFCU Flagship 31.5k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $3250, Target 1k, BLIS PAY 5k, Pay Pal 1k, CO Venture 23k, 259k total available credit. Utiliz-2%, Current FICO EQ-707, EX 702,TU 715 Chapt 7 BK D/C 11-2012. Starting scores 520-550
Regular Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2


theproblem wrote:
I feel like im ready to apply for more cards. Please help.
Scores: EQ 665 TU 650 Ex 640. Fico 9 EQ 678

Cards: C1 QS1 1.2K Credit One 1k. DISCOVER 1K (grad)
Loans: C1 Auto. 16K left. Personal Loan Lending Club 10k@33% YIKES! Just got engaged.
UTI is 7% all on my C1

Am I ready for PenFed? I want to refi the personal loan there.

Also, What cards would be in my best interest? Don't plan on using but I want to increase my available credit.

Burn list: C1, Barclays,NFCU,Chase Auto

Congrats on the engagement!

 

When were you discharged?

Ch7 discharged 10/2017. Pre-file FICOs high 400s.
11/2017 EX 609; EQ 619; TU 558
Regular Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2


morgacj2004 wrote:
Absolutely nothing wrong with buying a 10k engagement ring if u can afford it. The difference is that I got my wife the same thru Blue Nile and paid it off in 12 months with zero interest. In addition I got a nice discount for using the card in the first place. Nothing wrong with credit if u use it wisely.

if that was in response to me, I was just wondering why they accepted $10k at 33% interest for a ring and not try other means for lower interest.

Established Member

Re: Bankruptcy Friendly Credit Cards Pt.2

I'm at 13 months post DC

Valued Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2

Their goal is to make as much interest off u as they can! Not to save you money. 33% is very bad below sub Prime! Lol. Makes Credit one look good

AX BCP 15k, (AU on ED 7k,) BC Ring 11.5K, BC Arrival+ 9.5k, BC AA Aviator 4K, AKUSA FCU -10k , Comenity Blue Nile 11k, Discover (2) 11k , Kohls-4k, CHASE Amazon Prime VS 500, BofA AK Air Siggy 9.8k, BofA Secured $500, Synchrony Cathay Pacific Visa 9k, Synchrony E-bates Visa $2.4k, PFCU Plat Rewards Siggy 18k, PFCU Power Cash Rewards 21.5 k, NFCU Go Rewards 24k , NFCU Flagship 31.5k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $3250, Target 1k, BLIS PAY 5k, Pay Pal 1k, CO Venture 23k, 259k total available credit. Utiliz-2%, Current FICO EQ-707, EX 702,TU 715 Chapt 7 BK D/C 11-2012. Starting scores 520-550