Credit Card Center Advertiser Disclosure

Reply
New Member
Posts: 7
Registered: ‎08-10-2017

Post BK Approvals

Hi everyone! I'm new to this forum and this is my first post. My BK was discharged 7/3/17. I was approved for several unsecured cards: FP $700, Credit One $300 and astonishingly Capital One for $300. I'm very excited about my approvals and this opportunity to start over and build good credit for the first time. 

Community Leader
Super Contributor
Posts: 9,629
Registered: ‎07-17-2013

Re: Post BK Approvals

Hello Napqueensushi!

Welcome to the forums!! Congrats to you on you approvals and rebuild....and the BK DC. Use them wisely Smiley Wink
(BK7 d/c-08/2013/FICO-400's)---> 07/2017 FICO- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Valued Contributor
Posts: 1,602
Registered: ‎06-13-2016

Re: Post BK Approvals

[ Edited ]

Congratulations, napqueensushi! (Love the username, BTW!) Welcome to the forum!

 

I just shared on the approvals forum that my husband's first Cap1 card, originally $300 then $750 after Credit Steps, was just auto increased to $3750. All he did was use his credit each month, always paid every month and usually paid in full. 11 months later, voila, a $3000 CLI!

 

Just use, pay, rinse and repeat, and that Cap1 limit will grow! Smiley Happy

Current Scores------ EQ 679; TU 645; EX 679 FICO 08---------------- Gardening until 07/29/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
New Member
Posts: 7
Registered: ‎08-10-2017

Re: Post BK Approvals

[ Edited ]

Thank you! Thats definitely my goal. Any tips would be greatly appreciated! Smiley Happy

New Member
Posts: 7
Registered: ‎08-10-2017

Re: Post BK Approvals

Thanks so much for your input! Very encouraging!! I could only hope to get a $3000 CLI after 11 months. That's amazing!!

Highlighted
Valued Contributor
Posts: 1,602
Registered: ‎06-13-2016

Re: Post BK Approvals


napqueensushi wrote:

Thanks so much for your input! Very encouraging!! I could only hope to get a $3000 CLI after 11 months. That's amazing!!


You definitely can see those results! 

 

I also posted that after that increase, he was approved for a Barclays card for $5000 and Discover for $4000. It just takes patience and discipline. I know you can get there and look forward to seeing updates on your journey. Smiley Happy

Current Scores------ EQ 679; TU 645; EX 679 FICO 08---------------- Gardening until 07/29/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Epic Contributor
Posts: 29,406
Registered: ‎10-23-2007
0 Kudos

Re: Post BK Approvals


napqueensushi wrote:

Hi everyone! I'm new to this forum and this is my first post. My BK was discharged 7/3/17. I was approved for several unsecured cards: FP $700, Credit One $300 and astonishingly Capital One for $300. I'm very excited about my approvals and this opportunity to start over and build good credit for the first time. 


PLEASE PLEASE PLEASE Call and cancel Credit One and FP... you don't need them.

I know you think because of being fresh out of BK you have to take the horrible stuff but it's actually opposite... Give it just a few months with cap1 and keep checking the pre-qual and you can probably get a far better and bigger cap1.

Sync, Comenity, Discover are also options after bk.

Try some shopping cart tricks for Jcrew, Express, Victoria Secret or something... at least those don't have terrible fees like Credit One and FP

Senior Contributor
Posts: 8,293
Registered: ‎04-23-2016

Re: Post BK Approvals

Welcome to the forumSmiley Happy

Congrats on your recent approvals. Please take the time to research well cards you would like to help you rebuild. There are usually better options than FP and credit one if you are willing to look and learn. But if you must use them be wise and careful. Best of luck on your rebuild,,many of us here have been through or are going through rebuilds and we are always learning snd growingSmiley Happy
Community Leader
Senior Contributor
Posts: 6,466
Registered: ‎08-04-2014
0 Kudos

Re: Post BK Approvals

Welcome to the forum and congrats on your approvals!!
Gardening since xx/xx/xx Gardenversary xx/xx/xx Score: 08/07/17 EQ 778 TU 789 EXP 780
Current Score: 778
Goal Score: 800
Take the myFICO Fitness Challenge
New Member
Posts: 7
Registered: ‎08-10-2017
0 Kudos

Re: Post BK Approvals

[ Edited ]

Creditaddict wrote:

napqueensushi wrote:

Hi everyone! I'm new to this forum and this is my first post. My BK was discharged 7/3/17. I was approved for several unsecured cards: FP $700, Credit One $300 and astonishingly Capital One for $300. I'm very excited about my approvals and this opportunity to start over and build good credit for the first time. 


PLEASE PLEASE PLEASE Call and cancel Credit One and FP... you don't need them.

I know you think because of being fresh out of BK you have to take the horrible stuff but it's actually opposite... Give it just a few months with cap1 and keep checking the pre-qual and you can probably get a far better and bigger cap1.

Sync, Comenity, Discover are also options after bk.

Try some shopping cart tricks for Jcrew, Express, Victoria Secret or something... at least those don't have terrible fees like Credit One and FP



I was thinking about canceling the FP. I got my card today and they had charged me $29 for an additional car but I wasn't aware of the fee. Of my $700 CL, I have $582 available and I haven't purchased anything. Is there anything more that you can tell me about FP or Credit One?

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 myFICO.com 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.