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Any ideas for a third CC?

Moderator Emeritus

Any ideas for a third CC?

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.

 

Message Edited by utah2009 on 07-21-2009 12:10 AM
Just puttin' syrup on something, don't make it pancakes.
Message 1 of 18
17 REPLIES
Senior Contributor

Re: Any ideas for a third CC?

Wait.
Message 2 of 18
Moderator Emeritus

Re: Any ideas for a third CC?


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.
Message 3 of 18
Frequent Contributor

Re: Any ideas for a third CC?

Have you ever considered a good Secured card?

Message 4 of 18
Senior Contributor

Re: Any ideas for a third CC?

I would go with a secured card at a good CU.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 5 of 18
New Contributor

Re: Any ideas for a third CC?

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.
Message 6 of 18
Established Contributor

Re: Any ideas for a third CC?


Smrtshppr43 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 Smiley Sad (tho I don't need it so much now, I did at the time I checked)

Message 7 of 18
Valued Contributor

Re: Any ideas for a third CC?

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.

 

IN VINO VERITAS.
Message 8 of 18
Moderator Emeritus

Re: Any ideas for a third CC?

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.

Just puttin' syrup on something, don't make it pancakes.
Message 9 of 18
Senior Contributor

Re: Any ideas for a third CC?


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. 

Message 10 of 18