09-22-2012 07:45 AM - edited 09-22-2012 07:47 AM
I received a Cap ONe cash rewards card with a 2000 limit. Our Ch 13 was discharged April 9! I was very surprised.
Lilrosy4, how soon after your discharge did you app for the card? I'm planning on app'ing for the same card when I receive my discharge--I'm just curious about the time frame. Was this the first tradeline you had (or app'd for) after discharge?
09-27-2012 08:23 AM
Guess ill post the only one i didnt see. Ch13 discharged 10/09. No lates since. Util around 15% whole time. Dti around 5%. Just got a Discover more approved exactly 36 mos post bk. First time with them.
10-09-2012 02:58 PM
I was approved today for both Discover More and Barclays Apple card. I have a 2 year BK7. I also have a capital one card which I have had for about 13 months.
10-13-2012 09:44 AM
I filed my BK in 05/2012.
Since that I have covered all bills 100% on time and in full so trying not to apply for anything before 04/13 to see where score lands
Current Score TU 605 EQ 611 EX 599
10-20-2012 06:49 AM
Best Buy is definately YMMV. I was brave enough to app with them just because Cap1 backs their card and i have 2 Cap1 one cards approved and in great standing. I was wrong, Denied across the board for anything of theirs.
11-08-2012 09:51 AM
I was wondering about department store cards. Can anyone tell me what department store cards they were able to obtain after bk discharge and what your credit score was at the time of obtaining these cards? I would like to have one or two of these cards but I'm afraid to apply since my score is coming up but only very slowly.
11-08-2012 10:07 AM
I just spoke to GEMB and they explained that they do not look at applications that have a BK for at least 24 months post BK. He said that the system does an automatic decline. So tough to know what to apply for!
11-13-2012 06:24 AM
i got approved for my second capital one card 3 weeks ago and the prequalifier despite the fact that i have an auto loan with them and another credit card didnt pull anything for me either. So I just applied for the Classic Platinum and it APPROVED!!! Good luck
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.