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Actually all the comenity cards are soft pull only as long as you use the shopping cart trick. Its an easy way to quickly increase your amount of available credit without burning a single HP.
I would suggest, express, buckle, VS, roamans and Jcrew. You might have to try a few times, but all easily gotten.
They help your healing CR but the goal should still be 3 revolvers I'd say over 6 months is a good goal.
My vote is Creditone, Capone at the same time, followed by Navy. Alternatively, two secured CU cards with an app for an unsecured at the 5-6 month mark.
@starry1 wrote:Any thoughts on one of the Comenity/WFFNB cards?
@MovingForward_2012 wrote:
I filed bankruptcy twice (in 2003 & 2005) and I waited until I could qualify for an Orchard Bank card. I dodged First Premier like the plague. CreditOne is awful charging people $19.99 for their CLI. Unbelievable! I waited and paid cash until I could get in with a decent company first. I would try Capital One first.
damn....why?
to the OP...i'd go for Navy and Cap1
@shols44 wrote:LS2982 I have to disagree about creditone.
They are a horrible blood sucking company, but they have a purpose. In a post-BK rebuild, they serve very very well. They use a soft-pull preapproval. This means, you won't burn a HP just to find out you are denied after the fact. $75 AF is horrendous but the goal post-Bk is to have three revolvers reporting. Creditone can get you there. I paid, got my three revolvers and scored a 6.5K visa sig 6 months post discharge.
As starry knows, we've covered this extensively in the appropriate thread, this card MUST be cancelled in month 11! This is essential.
All that being said, its not a good card, and definitely deserves to rot in a sock drawer (exactly were mine is) but it can be used effectively to achieve new credit freedom.
There are so many other options out there instead of paying their ridiculous fees and interest. Open up a secured account. They should be a last resort if you cant get secured cards.
@LS2982 wrote:
@shols44 wrote:LS2982 I have to disagree about creditone.
They are a horrible blood sucking company, but they have a purpose. In a post-BK rebuild, they serve very very well. They use a soft-pull preapproval. This means, you won't burn a HP just to find out you are denied after the fact. $75 AF is horrendous but the goal post-Bk is to have three revolvers reporting. Creditone can get you there. I paid, got my three revolvers and scored a 6.5K visa sig 6 months post discharge.
As starry knows, we've covered this extensively in the appropriate thread, this card MUST be cancelled in month 11! This is essential.
All that being said, its not a good card, and definitely deserves to rot in a sock drawer (exactly were mine is) but it can be used effectively to achieve new credit freedom.
There are so many other options out there instead of paying their ridiculous fees and interest. Open up a secured account. They should be a last resort if you cant get secured cards.
+1
@starry1 wrote:
I have a grand ready to plunk down at navy if I have to. I also can get membership at another local cu called Bellco if I need a second secured card. Something inside me balks at the idea of getting secured at cap1, so I'll stick with credit unions if I have to start secured.
Cap1 really isnt that bad for secured but just make sure you understand that they do NOT graduate to unsecured and you'll have to close it to get deposit back when ready. It's really good if you plan on using it for a year and beefing up the deposit to set yourself up for prime lenders and big CL's.