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Senior Contributor
Posts: 3,016
Registered: ‎07-12-2012
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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
718 EQ FICO 07/2015
726 TU FICO 07/2015
732 EX FICO 07/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $11k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Regular Contributor
Posts: 107
Registered: ‎07-26-2012
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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".

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Regular Contributor
Posts: 107
Registered: ‎07-26-2012
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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
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Posts: 3,016
Registered: ‎07-12-2012
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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
718 EQ FICO 07/2015
726 TU FICO 07/2015
732 EX FICO 07/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $11k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
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Posts: 401
Registered: ‎03-01-2012
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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.

Filed BK7: 7/12 (discharge 10/12) 5/12- EQ FICO - 508 / TU FICO - 490
EQ FICO: 677 (02/15)
TU FICO: 651 (02/15)
EX FICO: 671 (02/15)
NFCU cashRewards $18k - NFCU Flagship Visa $18k - First Tech C.U. Cash Rewards $5k - Cap1 Venture - $10k - Barclays Apple Card $2k - Discover $1,000 - JCrew $4650
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Posts: 2,440
Registered: ‎11-29-2012
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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
Posts: 401
Registered: ‎03-01-2012
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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.....

Filed BK7: 7/12 (discharge 10/12) 5/12- EQ FICO - 508 / TU FICO - 490
EQ FICO: 677 (02/15)
TU FICO: 651 (02/15)
EX FICO: 671 (02/15)
NFCU cashRewards $18k - NFCU Flagship Visa $18k - First Tech C.U. Cash Rewards $5k - Cap1 Venture - $10k - Barclays Apple Card $2k - Discover $1,000 - JCrew $4650
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Posts: 3,016
Registered: ‎07-12-2012
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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
718 EQ FICO 07/2015
726 TU FICO 07/2015
732 EX FICO 07/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $11k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
New Contributor
Posts: 104
Registered: ‎12-12-2012
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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
Posts: 95
Registered: ‎04-13-2011
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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.
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