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I filed chapter 7 in December2011 and was discharged just before the new year. I check my score on creditkarma and it's 688. I recently have been getting offers to rebuild credit since now i don't have any. So i decided to go ahead and apply for the pre-approved capital one mastercard. It has 0% apr until feb 2013 then up to 22% with no annual fee(which is good!!) I was quite surprised that my limit given was $3000. THat's great ! so a couple weeks later I tried for the am ex blue with the cash back rewards~looking back i probably shouldn't have~ i was denied... So how bad did that effect my credit score? Will applying for another card change the limit i was given by my capital one card? Is the only reason i was denied the am ex was because i have a bankruptcy? Because a 688 is pretty good for just doing the bankr. 6 months ago. Is the creditkarma pretty accurate?
Thanks for any imput given
Amex will NEVER approve you until your bk falls off in 10 years from your discharge.
Applying will not affect your $3000 credit card unless capital sees you're applying for 2 much credit.
Don't apply for more credit for at least the next 6 months.
Locking this thread to direct readers to an identical thread here.
Please don'r post across multiple boards.