Credit Card Center Advertiser Disclosure

Established Member
Posts: 29
Registered: ‎06-12-2011
0 Kudos

Easiest Unsecured Credit Cards to get after Chapter 7 Bk!


  I just wanted to share with anyone interested in rebuilding their credit after bankruptcy that there are 2 unsecured credit cards I just got after my Chapter 7 in May 2011 without a problem.


I was offered by email to pre-qualify for an Orchard Bank, I had nothing to lose so I applied and I got a $300 credit line with them unsecured and paid the annual fee of $59.99.


The 2nd email was pre-qualify for a Capital One. I got this one also with a $500 credit limit.


There it is. Im sticking with these two in my journey to rebuild.  I am pretty content. Capital one offered me 0% interest rate for 1 year!!


Here are the links for the pre-qualify if you are interested.







P.S. AMEX also offers a pre-qualify but I would recommend not trying to apply for American Express Cards with a BK. They are very very strict!!


"Chapter 7 Bankruptcy (05/17/2011)"
Starting Score: EQ 557, TU 544, EX 562
Current Score: EQ 621, TU 601, EX 599 (06/13/2011)
Goal Score: 700
Capital One - No Hassle Cash Rewards CC
Orchard Bank credit card (high interest rate) Not using

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.