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Bankruptcy friendly credit cards

Established Member

Re: Bankruptcy friendly credit cards

You could risk trying Discover IT or More.  Barclay is the only Prime Bank that I know of for BK'ers before 5-7 years.  Well them and Discover, which is hit or miss - some get it and some do not.  Otherwise, Credit Union's should be quite friendly at this point.  You should be able to get any CU card you want at this point.

Filed BK 7: 2/28/2012 | Discharged: 7/24/2012
POST BK APPROVALS:
NFCU nRewards Secured Visa: $1000 7/12| Apple FCU Secured Visa: $1000 9/12
Toyota Finance Lease: 0% | 0.0008 MF 10/12
Barclay Apple Finance Visa: $2200 1/13
NFCU cashRewards Visa: $2500 3/13

Message 101 of 690
Established Member

Re: Bankruptcy friendly credit cards

That or go for another Barclay Card, but wait until April when the Reward MC is 1 year old.  They do allow more than one card after about a year.  

Filed BK 7: 2/28/2012 | Discharged: 7/24/2012
POST BK APPROVALS:
NFCU nRewards Secured Visa: $1000 7/12| Apple FCU Secured Visa: $1000 9/12
Toyota Finance Lease: 0% | 0.0008 MF 10/12
Barclay Apple Finance Visa: $2200 1/13
NFCU cashRewards Visa: $2500 3/13

Message 102 of 690
Community Leader
Senior Contributor

Re: Bankruptcy friendly credit cards

$500 cashRewards card from NFCU approved today. 4 months post discharge with 4 months of history with them. I do have direct deposit with them. They pulled TU and I am located in AZ.

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
Message 103 of 690
Frequent Contributor

Re: Bankruptcy friendly credit cards


Scupra wrote:

$500 cashRewards card from NFCU approved today. 4 months post discharge with 4 months of history with them. I do have direct deposit with them. They pulled TU and I am located in AZ.


Well done! Now wait a bit, and hit the luv button in about 3 months. 


Starting Score: 501
Current Score: 754 EQ,TU 745,EX 750
Goal Score: 800

Message 104 of 690
Established Member

Re: Bankruptcy friendly credit cards

Very good Scupra Cat Happy

Filed BK 7: 2/28/2012 | Discharged: 7/24/2012
POST BK APPROVALS:
NFCU nRewards Secured Visa: $1000 7/12| Apple FCU Secured Visa: $1000 9/12
Toyota Finance Lease: 0% | 0.0008 MF 10/12
Barclay Apple Finance Visa: $2200 1/13
NFCU cashRewards Visa: $2500 3/13

Message 105 of 690
Community Leader
Senior Contributor

Re: Bankruptcy friendly credit cards

So I was kinda bummed about the limit so I sent them a secure message confessing my love for NFCU and how thankful I am to have them, dropped a hint how I was wanting $1,000 limit and got this response this morning;

 

Thank you for your message. Upon further review, we have reconsidered your request. We have increased your credit limit to $1,000. Please allow 7-10 business days for delivery of your new card(s). We ask that you please do not reply to this message as this is for checking the status of a submitted application. If you have further inquiries, you may send an online message using your Navy Federal Online Account Access service. On the Other Services tab, click on E-Message to Navy Federal under the Contact Us option.

 

Woo!!! Thanks everyone

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
Message 106 of 690
Valued Contributor

Re: Bankruptcy friendly credit cards

Bwahahaha! You totally rock! So does Navy.

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)
Message 107 of 690
Community Leader
Senior Contributor

Re: Bankruptcy friendly credit cards


starry1 wrote:
Bwahahaha! You totally rock! So does Navy.

Haha! They are great, I am glad they increased it. Account is showing online already Smiley Happy

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
Message 108 of 690
Frequent Contributor

Re: Bankruptcy friendly credit cards

I swear, this is the best bank on the planet. I'm eventually going to move my entire banking to them. BOA (my other bank) can kick rocks!


Starting Score: 501
Current Score: 754 EQ,TU 745,EX 750
Goal Score: 800

Message 109 of 690
Community Leader
Senior Contributor

Re: Bankruptcy friendly credit cards


shols44 wrote:

I swear, this is the best bank on the planet. I'm eventually going to move my entire banking to them. BOA (my other bank) can kick rocks!


Have to agree with you. In July 2012 when I filed BK I opened accounts with them and moved all my banking from Chase to NFCU so I could have a relationship with them through my rebuilding process.

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
Message 110 of 690