Credit Card Center Advertiser Disclosure†
12-23-2012 10:21 AM
12-23-2012 10:23 AM
I don't think HSBC is in the consumer lending business any more, they sold most of their card business to Capital One, including Orchard Bank.
12-23-2012 10:40 AM
12-23-2012 11:15 AM - edited 12-23-2012 11:27 AM
I'll give it a try in a few months anyway because I'm fairly sure that debt was sold off many years before the takeover. They may or may not have my records and that account is now 9 yrs 10 months and will be deleted from my reports in Feb anyway.
12-23-2012 12:36 PM
12-23-2012 12:53 PM
12-23-2012 05:16 PM
12-27-2012 09:27 AM
I was discharged from CH7 this year and applied 9/12 for Capital One. I was approved for the platinum card with a small limit. I always pay the card in full each month. This month, I decided to try and apply for Capital One Rewards card and just see what happened, I was approved with a decent CL and I believe it was because they looked at my history over the past few months with the other card. I also have a Credit One Bank card. I acquired all three of these cards within months of my discharge so I know its possible to start rebuilding immediately!! At least, that has been my experience.
12-27-2012 03:31 PM
12-29-2012 07:05 PM
I personally don't know anyone, but I have messaged back and forth with one of the moderators here who has one. I believe there also may be a thread associated with it as well. I was told on this forum as well as another, that the barclays (which is the old juniper card) is BK friendly if your one year out. I will update this thread after I apply in a few weeks, but don't know which barclays card to apply for yet.
Hello! I lurk more in this forum than actually posting; however, I am one of the referred to above. I was declined a Barclay card itunes visa; called backdoor (credit analyst) number... poored my heart and soul out for a chance... begged for a measley $100.00 line and got $250.00 in November, 2010 -- now I'm at $2,500.00; also, have had success in getting Travelocity Amex for $1,000.00 initially in August, 2011 -- now at $2,000.00.
I, at pleading stage, had a Chapter 7 and Chapter 11 on my record. The analyst was VERY hesistant, but.. I'm very persistent and I figured he caved when I said, look I didn't get A's in my MBA courses being ignorant.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.