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You've probably heard people talk about having their mailboxes inundated with sub-prime credit card offers immediately following a BK discharge. Just out of curiousity, what hit your mailbox? Excluding the billions of auto loan offers of course. I'm talking about actual cards.
I haven't actually received any offers. I'm getting car stuff all the time, but no cards.
I still get "Pre Approval" letters for First Premiere. They are jelly I didn't use them. Never will either.
The only offer I've received was First Premier as well, won't touch them if you were paying the bill. I don't want that crap on my credit, I think that's like a kiss of death for any future offers.
I expected the surge of offers after disch but they never came. Now, 1 year post disch and everyday I receive card offers in the mail. I find it funny that now after I'm on my way in the rebuild process, these creditors are a bit late to the party.
I've gotten First Preimer pre-approval after my last month BK7 discharge, never opened it instead went straight to shredder! LOL! Mostly gotten local auto loans specializing post BK loans which of course went stright to shredder after opening and curiously reading it ;-)
The only offer I got in the mail was the Verve card. Everything else was done cold apping.
I have received ZIPPO, NADA....
I got Credit One, First Premier and Blaze (whatever this one was, it was a Mastercard). I accepted the Credit One card for a rebuild and that was it.
So pretty much the 'age old saying' is wrong! Credit offers don't flood your mailbox after a BK discharge. =)