I am 3 months removed from my BK, and I have 3 open revolvs. 2 cap 1 cards that have been reporting for 3 months now, and soon to be on there will be Merrick Bank. I really only wanted 4 CC'ds as I really don't use them but for gas a month and then PIF. My CC Util is 6%. I really want Wally world and Barclays to round out the CC. Obviously that will give me a total of 5, but thats all I want and therefore will be done appin'g. I tried for Wally World 1 month post discharge and they told me no because of BK, and I super figured that. At that time I had 0 open revolvs and TU FICO was 558. I now have the 2 (soon to be 3 on my CR) that will have been reporting for 3 months and a new one in MB, and my TU FICO is now 602 with a few less baddies on there from when I applied in mid-late March. When do you all think I should apply for the WM and Barclays to round out my Credit Revolv? Thank Yall!
Wait until your newest accounts hit 6 months, then apply for Walmart. For Barclay's, I'd wait until I had a year of history.