@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.
Do your CU's allow you to increase the savings, and thus increase the CL's? If so, you should be periodically adding to your savings and requesting the corresponding CLI.
Many on the forums tell you that CL doesn't matter, just utilization, age, etc. I will tell you that this is partially true and partially false. There are many prime cards that will not consider you UNLESS you have an existing account that has a minimum CL reporting.
Many other CCC's will not give you a CL any larger than your existing accounts. Auto loans, upon LO review are influenced by larger CL's that have been responsibly handled.
I would not focus on quantity as much as quality. You get more bang for your buck with secured. Were I forced to rebuild again, I would avoid the builder cards all together and go strictly secured, store and gas.
Part of rebuilding is building savings. Building savings can build credit if you allow it to secure growing Credit Lines or Limits at no cost (in fact earning interest).
While FICO may not always reward based upon CL's I am convinced that many lenders have internal criteria, beyond FICO, and this may often include CL's.
My opinion is not merely anectodal. I was declined by BoA a CLI, which they specifically cited decline due to no other CL's larger than my BoA CL (I had put most of my personal and biz credit with them....you know, being a loyal one stop shop customer).
Because I had a $10k BoA CL, Juniper gave me $15k, NFCU gave me $25k and $15k, and others gave me $10k to $12.5k. While my credit scores were helpful, I have no doubt that if my scores were only achieved with $750 to $2k CL's that I would NOT have gotten the bigger CL's recently.
If you are saving money, then use it to your dual benefit. Don't get caught up on having to have unsecured credit as a badge of honor, especially when you are getting a subprime badge (ie: BK friendly = subprime).
There will be many who don't agree with me. But I can only say, it worked for me going from BK and 500's to 800 plus with nice CL's.
But I do wish you good luck in wherever you app and whatever your goals! 
@utah2009 wrote:Thanks TX. We're with you on the savings and building with our CU's. Always good points, there.
Do you really think Macy's is subprime? I didn't know.
My apologies on clarifiction: I was referring to BK friendly major cards, not store cards. I mentioned I would go with secured major, plus select store and gas. Macy's is just fine in my book for those interested in it.
Sorry for the confusion