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@shols44 wrote:Thanks for the insight!
I've heard that Capital One is notorious for not wanting to budge on increasing credit lines--do you really think that they'd increase both of my cards (now that they own my Orchard Bank card)? I've heard a lot of opinions on the contrary.
Do you have an opinion on which Barclaycards to pursue? I'm considering the barclaycard rewards (avg credit) and the barclaycard issued for apple. After that, I don't plan on getting anymore cards for a while.
I'm pretty certain if you go the EO route, capital one will increase both lines. Those accounts have performed well for four years. They will definitely budge. Ask for 5K each, expect 2.5-3K increase. Just forget the frontline guys and email EO directly.
I got the Barclays NFL and the US Airways cards. I think the rewards card and apple card are easier to get from anecdotal data. I'd say go for the rewards card. You can always try to PC after a year. Also barclays will pull TU most likely. Just expect to recon and have explanations for anything they might throw at you. The easy one is why do you want the card: I love the blah blah blah....and the sign on blah blah....you get the picture?
Let us know how it goes.
Forgive my ignorance, but what does EO stand for?
Also, do you have the contact info for EO?
Thanks!
I actually went with the Barclays Applecard because from my understanding it was one of the easy cards barclays offers and also I had some apple products that i needed to purchase. Others were were successful in getting the barclays rewards card which I would have preferred.
Discover on the other hand is a hit or miss for some, I would recommend making sure your utilization is low if you decide to apply. I do not know much about the student version of their card. However I believe that Discover would still go through the same decision logic and look at your post BK credit in order to determine if you will be approved or not.
@Ingenieux wrote:
@shols44 wrote:Thanks for the insight!
I've heard that Capital One is notorious for not wanting to budge on increasing credit lines--do you really think that they'd increase both of my cards (now that they own my Orchard Bank card)? I've heard a lot of opinions on the contrary.
Do you have an opinion on which Barclaycards to pursue? I'm considering the barclaycard rewards (avg credit) and the barclaycard issued for apple. After that, I don't plan on getting anymore cards for a while.
I'm pretty certain if you go the EO route, capital one will increase both lines. Those accounts have performed well for four years. They will definitely budge. Ask for 5K each, expect 2.5-3K increase. Just forget the frontline guys and email EO directly.
I got the Barclays NFL and the US Airways cards. I think the rewards card and apple card are easier to get from anecdotal data. I'd say go for the rewards card. You can always try to PC after a year. Also barclays will pull TU most likely. Just expect to recon and have explanations for anything they might throw at you. The easy one is why do you want the card: I love the blah blah blah....and the sign on blah blah....you get the picture?
Let us know how it goes.
Forgive my ignorance, but what does EO stand for?
Also, do you have the contact info for EO?
Thanks!
EO stands for executive office. I sent you a PM.
Has anyone applied for the Mutual of Omaha card issued by ATRIA Bank ( A divsion of TMG GRoup).
Their application is very vage (quite simple) and when I called with questions about the card and bank the rep really couldn't answer my questions.
I never heard of the bank and I don't want to applie for a card that doesn't stand a chance of being approved, because of the hard inquiry.
But it was on the MyFico recommended list. What do you think. THANKS!!
@somotao wrote:I actually went with the Barclays Applecard because from my understanding it was one of the easy cards barclays offers and also I had some apple products that i needed to purchase. Others were were successful in getting the barclays rewards card which I would have preferred.
Discover on the other hand is a hit or miss for some, I would recommend making sure your utilization is low if you decide to apply. I do not know much about the student version of their card. However I believe that Discover would still go through the same decision logic and look at your post BK credit in order to determine if you will be approved or not.
From what I have seen it seems that the Apple card is issued with a higher limt. If that matters to you all
I always enjoy reading the great advice from the people who have been thorugh it already. My BK ch7 was from mounting medical bills one huge one with DFAS(Defense Financing ......) After I got out of the Army had some health issues and 6 years later they wanted to put a forced deduction from my pay of 400 every paycheck. left me no choice but to file ch 7.
Now that I have been discharged and it is 2 months past the amount for that specific medical bill still shows on my report I disputed it and said it was covered in BK, which it was but they verified and even though it says BK the amount still shows. Any way I have unfortunately got one ding on there from a medical since I filled in October. It took longer for my discharge because I was waiting for a re-affirmation appointment for my house. Any way long story short I am paying that medical bill slowly but it is on my credit. and everything else shows as BK. I want to start rebuilding but do not want to get allot of dings on credit applying for the worng things. since BK takes all CC in one swoop it took my store cards (walmart, VS, Kohls, Buckle) both Capital one cards and my bestbuy rewards MC. Since the medical is recent should I wait before applying for something. Do i have to start with a secured card. any advice in the way or direction I should go would be much appreciated.
My impression on Mutual of Omaha was that it was for excellent credit, so probably not bk-friendly. Just do a search on the credit cards forum.
@Hampton08 wrote:Has anyone applied for the Mutual of Omaha card issued by ATRIA Bank ( A divsion of TMG GRoup).
Their application is very vage (quite simple) and when I called with questions about the card and bank the rep really couldn't answer my questions.
I never heard of the bank and I don't want to applie for a card that doesn't stand a chance of being approved, because of the hard inquiry.
But it was on the MyFico recommended list. What do you think. THANKS!!
Barclay is a BK friendly bank. I just got approved for their Arrival MasterCard with a $3,500 limit (my lowest credit limit but, not bad). My BK was discharged 22 months ago and my credit util is less than 2%.
If you are able to join Navy Federal Credit Union; I suggest trying them. I got their secured card the same month my BK was discharged, they unsecured my card right at my 1 year anniversary and now my credit limit is $40k.
Another BK friendly credit union if you are able to join is SchoolsFirst FCU. Had a similar experience with them; got their secured card, they graduated my card to unsecured within 6 months and bumped my credit line from $2k to $25k.
Hope that helps.
I think I will go and join navy federal they are just down the street and have heard good things from them. As far as montioring credit and determining when is best to apply is it best to get the score watch from myfico? is it an accurate score?