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Bankruptcy friendly credit cards

Community Leader
Senior Contributor

Re: Bankruptcy friendly credit cards

What seems to be the verdict on getting approved for a Walmart card after BK7? I did not include any accounts in BK that would prevent approval fyi. Thanks!

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
Regular Contributor

Re: Bankruptcy friendly credit cards

From what I've read on here and credit boards is that its definitely possible, but there's always the kicker "YMMV".

Highlighted
Regular Contributor

Re: Bankruptcy friendly credit cards

Me and my wife filed 7 in July 2012 and we were discharged Nov 2012.  Since coming out she's managed to pick up a Cap1 Card and a Bill Me Later account as well.  I'm an AU on her Cap1 card.  I've picked up a First Premier(only company that would take me) and plan on using it monthly for bills and then paying it off to show history.  Hopefully I can get a Barclays Apple in the next 6 months.

Community Leader
Senior Contributor

Re: Bankruptcy friendly credit cards

Any approvals out there lately? Been quiet! I am in the garden but would love to hear about other people getting approved!

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
Frequent Contributor

Re: Bankruptcy friendly credit cards


Scupra wrote:

Any approvals out there lately? Been quiet! I am in the garden but would love to hear about other people getting approved!


nothing at all.....since my ch 7 dischange on 10/31/12 - I've got a secured card through my local CU for $500 in december of '12 - obtained a car loan for $15k through Wells Fargo last month and have been doing the 'pre-qual' page on Capital One hoping - but no dice at all.

 

I am hoping that once the car loan hits - most likely in March/April and more months with the secured card which I only car a $2 balance on all reporting - Cap One looks at me more favorably.  I'm not so convinced though....might be a loooong journey for me.  I may look at the Barclay card after a year if nothing else pops up.

Valued Contributor

Re: Bankruptcy friendly credit cards

Do you know your current scores? Nothing for me yet, and my discharge might take up to another month.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Frequent Contributor

Re: Bankruptcy friendly credit cards


starry1 wrote:
Do you know your current scores? Nothing for me yet, and my discharge might take up to another month.

my Fico is @ 598 as of now.....

Community Leader
Senior Contributor

Re: Bankruptcy friendly credit cards


starry1 wrote:
Do you know your current scores? Nothing for me yet, and my discharge might take up to another month.

I saw that your discharge is getting delayed, that really sucks! I think I checked Pacer every day like an addict haha! Goo luck man

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 Contributor

Re: Bankruptcy friendly credit cards

I was discharged 9/11. Since then ive gotten:

CapOne Secured $49/$200 CL -> @ $300 CL after 8 months ($100 CLI) obtained 10/11

CapOne Cash Rewards $2,000 CL -> @ $2,500 CL after 6 months ($500 CLI) obtained 6/12

Barclays NFL Card $500 CL -> @ $500 obtained 12/12
Contributor

Re: Bankruptcy friendly credit cards

I have the cards in my signature.  I've had the Barclay's rewards MC since April 2012.  Anyone have suggestions about what card I should try for next, if any?  Or just keep what I have for now.  Thanks for any feedback!!

Opened 12/2010 Quicksilver MC now $10000; Opened 04/2012: Barclays Rewards MC now $15000; Opened 12/2013: Logix Platinum Rewards MC now $15000; Opened 12/2013: DCU Platinum Visa now $3000; Opened 03/2015: Cap One Venture Rewards Visa now $16000; Opened 03/2015: Chase Freedom Visa now $2000; Opened 03/2015: Safe CU Platinum Rewards Visa now $1500.