us bank platinum offer

jdw97702 · ‎08-07-2013

Hi first time posting here but been reading these forums for a while. I should start by saying thanks for all the awesome information here. My backstory .... at 18 years I completely screwed my credit up. Fast forward im 32 years old now and finally filed bankruptcy. My discharge is due by September 3rd.

So my question finally which I probably already know the answer to from all the information on this website. I have received an offer for a us bank platinum card. Been with us bank for 10+ years. Was just surprised to see an offer from them. I still have things falling off so my score isnt the best. 570 from what ive seen with 9 things still showing a balance. Should I just throw this offer away and wait a bit or should I give it a shot? Thanks for the advice.

Jon

SoulMaster · ‎08-07-2013

Offer to apply/pre-approved != Approved

Wait until your discharge and then follow the 7 to 700 thread... If you take shortcuts, you'll wind up with worthless inquiries, crappy limits the rest of your life, or worse. My advice? Bin it!

-SM

Writers Note: For those of you who don't understand programming lingo, "!=" means "does not equal".

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749.
Goal Score: 700+ - reached.

jdw97702 · ‎08-07-2013

So toss it so far? Maybe I should add in that I did burn capital one for 200 dollars in my bk7. Perfect payments up to the bk.

Sad thing is I loved capital one .

Scupra · ‎08-08-2013

@jdw97702 wrote:
So toss it so far? Maybe I should add in that I did burn capital one for 200 dollars in my bk7. Perfect payments up to the bk.
Sad thing is I loved capital one .

Yes, toss it.. Lots of people on here burned Cap1 and got back in after 6 months of history I think, hopefully someone can help me with this as I did not burn them. Here is the thread SM referenced so you can get to reading Wait until discharge to open anything. Good luck!

http://ficoforums.myfico.com/t5/Bankruptcy/UPDATED-HOW-TO-From-BK7-discharge-to-700-in-24-months-or-...

SoulMaster · ‎08-08-2013

Yeah, I burned C1 in my BK for about $2K. Got my new one right on target w/ the timeline in the guide. Current limit: $3K.

-SM

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749.
Goal Score: 700+ - reached.