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Okay. DH is well on his way. I'm a bit more trouble, though (as we all know)!
I have two cards and would like a third.
Currently have:
Orchard Platinum $700 CL (Opened 12/08)
Macy's Store Card $1000 CL (Opened 7/09)
Ch13BK filed 05 discharged 2/09.
I am scratching my head. Any ideas on where I could apply for my third card?
--Our CU is asking us to wait. We'll add them in awhile.
--Alliant does not count household income. I have a savings account with them - no Visa.
--HSBC wants me to wait 18 months since I opened my Orchard card.
--Cap One turned me down 3/09 due to BK - maybe they'll like me later.
@smallfry wrote:
Wait.
I agree. You just need to be patient. Patience is definitely a virtue when it comes to credit. I speak from personal experience. Let those 2 cards age for awhile.
Have you ever considered a good Secured card?
I would go with a secured card at a good CU.
@Anonymous wrote:
Since you already have your foot in the door at Alliant, why not ask for a secured card? Surely it can grow into an unsecured.
Alliant do not offer a secured card - I checked (tho I don't need it so much now, I did at the time I checked)
1. Affinity FCU Classic Card (builders/rebuilders)
http://www.affinityfcu.org/site/personal_creditcards.html
2. Addison Avenue FCU Secured/Classic Visa
https://addisonavenue.com/visa/
3. Agriculture FCU Classic/Secure card
http://www.agriculturefcu.org/products/loans/creditcards.html
This list is endless.
Let me clarify.
We already have a (two) CU's we're very happy with.
I have two unsecured cards. I'm looking for a third unsecured card that is BK friendly.
Thanks y'all.
@utah2009 wrote:Let me clarify.
We already have a (two) CU's we're very happy with.
I have two unsecured cards. I'm looking for a third unsecured card that is BK friendly.
Thanks y'all.
You have Orchard and Cap One turned you down. Those 2 issuers are the top of the rebuilder group. You already have a Macy's card so there is no need to pursue another store card. I would avoid applying for junk tradelines just for the sake of low level lines. Best thing you can do now is wait until you can get a card from someone like Chase Citi or BofA.