@Broke_Triathlete wrote:It's been a long 10 years. I allowed my father (when I was 20) to put credit cards in my name to support his failing business. Racked up almost $50,000 in credit cards and failed several utilities bills also. So it was a struggle all the way up to 2012 when I decided enter a chapter 7 with a 380 CS. I learned an important lesson. At any rate, after the BR I haven't missed a single payment on anything and took on a car loan with a ridiculous APR to help build my credit. I figured I'd get raped for the time being until my credit rises. So today I'm at a Fico 620 and got a pre approval for the Capital One Platinum. After doing some searching around I figured I'd have a good shot at being approved. The Capital One Quicksilver One looked appealing and required the same credit as the Capital One Platinum (average) so I figured "what the hell" and applied. I got instantly approved (which was exciting) but had no idea my limit. My other 3 cards I got a $300 starting limit so I figured I'd be around that. So when the CSR got on the phone he looked it up and said 3....THOUSAND DOLLARS! I was stoked! Finally a reputable card with a reputable CL with the lowest APR to date. Things are looking good. I'm thinking about applying for the Platinum card (CSR said it'd be wise to wait a month) and then dump the other 3 cards with the minimal limits. However, I'm still researching on here figuring out if that's the best thing I should do.
WOW!!! Congrats!!! Your story is very inspirational!!! GOOD LUCK in your credit endeavors & rebuilding journey!!! 
Thanks guys! At what point does DCU start accepting? Do I have a shot now or do I have to wait?
Personal:
