Reply
New Member
rgh64
Posts: 6
Registered: ‎04-02-2013
0

Kroger 1-2-3 Rewards BK Friendly?

I received a credit card "invitation" for Kroger 1-2-3 Rewards Visa.  BK 7 filed 8/12, discharged 11/12.  Card is issued by U.S. Bank who I have read is not bk friendly, so I don't want to waste a hard pull on a likely denial.  The "invitation" does not say preapproved, preselected or anything like that.  I'm thinking they just sent it to all Kroger plus card holders and I would be instantly denied.  Has anyone received this card post bk?  Do you think there is a realistic chance of approval?

 

Don't know any of my real scores and I am still cleaning errors from Experian.  The other two have corrected all the errors.  My Credit Karma score, which I know is not worth mutch, is 694.

 

Applied and approved for Kohls ($300) and Target ($300).  Denied by Lowes and Walmart (IIB).  Also denied by Capital One (IIB big time) based on interal records without even a CRA pull.  I just don't see U.S. Bank approving me.

 

Thanks!

Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Kroger 1-2-3 Rewards BK Friendly?

No you won't get that one either from Krogers backed by US Bank.

 

I would get with a CU for secured card and wait about another year before applying for something else.  You need some time between this discharge.  The major creditors won't touch you for many years with that bk.  What you should do is make sure your reports are clean and reporting correctly, and since you've already established credit, let those age for a while.  They have to see a good payment history and no baddies after the filing in order to build.  That's why I suggest a secured card with a CU that reports to all 3 CRA's along with your two new accounts.

 

That should get you off on the right track and then in a years time or so you will start to become eligible for more credit.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}