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New Member
Posts: 7
Registered: ‎01-27-2014
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Airline Card After Bankruptcy

Filed for bankruptcy 3 years ago and have had excellent credit history since then. Never late on payments and pay them off every month. Capital One  upgraded me to a Venture Card but am wanting to get a Southwest Airlines card or US Airways card to build miles up. My FICO is 679. What are my chances?

Senior Contributor
Posts: 8,517
Registered: ‎06-05-2013
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Re: Airline Card After Bankruptcy

[ Edited ]

No idea.  Odds used to be 0 with Chase if one had a BK reporting but recently some have reported being approved with a relatively recent BK.

Community Leader
Senior Contributor
Posts: 4,545
Registered: ‎07-12-2012
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Re: Airline Card After Bankruptcy


Techraider wrote:

Filed for bankruptcy 3 years ago and have had excellent credit history since then. Never late on payments and pay them off every month. Capital One  upgraded me to a Venture Card but am wanting to get a Southwest Airlines card or US Airways card to build miles up. My FICO is 679. What are my chances?


I would take a look at the Barclays Arrival or the Barclays US Airways card. Barclays is BK friendly if you have some good payment history after the BK. I think both cards have some good sign up bonuses as well.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 08/2016
735 TU FICO 08/2016
744 EX FICO 08/2016
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $6.2k Cap1 Quicksilver | $10k Amazon Store | $14k Cap1 VentureOne | $7k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa
Epic Contributor
Posts: 28,802
Registered: ‎10-23-2007
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Re: Airline Card After Bankruptcy

What current accounts do you have?

is this 679 a TU score?

New Member
Posts: 7
Registered: ‎01-27-2014
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Re: Airline Card After Bankruptcy

Currently have Capital One Venture, Barclaycard Rewards and Mastercard Platinum. 679 is my FICO score. Is FICO the main one the company's use? The US Airways card is the one I really want. 

New Member
Posts: 7
Registered: ‎01-27-2014
0

Re: Airline Card After Bankruptcy

TU is 668. Experian is 665. EquiFax is 672. 

Epic Contributor
Posts: 28,802
Registered: ‎10-23-2007
0

Re: Airline Card After Bankruptcy


Techraider wrote:

Currently have Capital One Venture, Barclaycard Rewards and Mastercard Platinum. 679 is my FICO score. Is FICO the main one the company's use? The US Airways card is the one I really want. 


You have 2 Barclay Cards already?

you can't have more! Not sure about PC either

New Member
Posts: 7
Registered: ‎01-27-2014
0

Re: Airline Card After Bankruptcy

I have 2 capital one and one barclaycard. Does barclaycard ever upgrade to a miles card?
Epic Contributor
Posts: 28,802
Registered: ‎10-23-2007
0

Re: Airline Card After Bankruptcy


Techraider wrote:
I have 2 capital one and one barclaycard. Does barclaycard ever upgrade to a miles card?

I don't think they transfer into or out of partner cards... a few have been lucky to be able to I think but for the most part most have been told no.

New Member
Posts: 7
Registered: ‎01-27-2014
0

Re: Airline Card After Bankruptcy

Yeah I figured they wouldn't do that. I'm gonna get a few things fixed in my credit report before I apply. It is showing late payments and I haven't had any.

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