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Valued Contributor
Scupra
Posts: 1,082
Registered: ‎07-12-2012

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
655 EQ FICO 02/2014
674 TU FICO 04/2014
682 EX FICO 04/2014
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival
Regular Contributor
coreyb80
Posts: 105
Registered: ‎07-26-2012

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".

Regular Contributor
coreyb80
Posts: 105
Registered: ‎07-26-2012

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.

Valued Contributor
Scupra
Posts: 1,082
Registered: ‎07-12-2012

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
655 EQ FICO 02/2014
674 TU FICO 04/2014
682 EX FICO 04/2014
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival
Frequent Contributor
grassfeeder
Posts: 313
Registered: ‎03-01-2012

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.

5/12- EQ FICO - 508 / TU FICO - 490 / EX FAKO - 550 Ch. 7 BK - 7/12 (discharge 10/12)
4/14 - EQ FICO 651 / TU FICO - 636 / EX FICO - 654

NFCU cashRewards $10,000 - NFCU Flagship Visa $8,000 - First Tech C.U. Cash Rewards $5,000 - Barclays Apple Card $2,000 - JCrew $650
In the garden starting 3/1/14 till ???
Community Leader
Valued Contributor
starry1
Posts: 1,988
Registered: ‎11-29-2012

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: 2/14/14 TU 624; EQ 629; EX 610
Goal Score:  625 for now– New goal 675

Cap1 sec $700 (SD) / FP $300 (SD) / Fingerhut $800 / nRewards $2.5k / cashRewards $1.5k / NavChek $2.5k
Amazon $1.7k / Walmart $1k / Von Maur $200 /Firestone $1.2k (last app 10/08/13)
Frequent Contributor
grassfeeder
Posts: 313
Registered: ‎03-01-2012

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.....

5/12- EQ FICO - 508 / TU FICO - 490 / EX FAKO - 550 Ch. 7 BK - 7/12 (discharge 10/12)
4/14 - EQ FICO 651 / TU FICO - 636 / EX FICO - 654

NFCU cashRewards $10,000 - NFCU Flagship Visa $8,000 - First Tech C.U. Cash Rewards $5,000 - Barclays Apple Card $2,000 - JCrew $650
In the garden starting 3/1/14 till ???
Valued Contributor
Scupra
Posts: 1,082
Registered: ‎07-12-2012

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
655 EQ FICO 02/2014
674 TU FICO 04/2014
682 EX FICO 04/2014
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival
New Contributor
stormb28
Posts: 104
Registered: ‎12-12-2012

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
sc2761
Posts: 93
Registered: ‎04-13-2011

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!!


Starting Score: After BK d/c of 7/7/10: EQ Fico 629; TU Fico 579; EX Quizzle 610
Current Score 11/30/13: All Fico's EQ 668; TU 689; EX 666; and Barclay's Fico showing 650
Goal Score: 700 for all

12/2010: Cap One Platinum MC $3500; 8/2011: Cap One Quicksilver One MC ($1000); 4/2012: Barclays Rewards MC ($7500); 12/2013: Logix Platinum Rewards Visa ($15000); 12/2013: DCU Platinum Rewards Visa ($3000).

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