BK Friendly Credit Cards Listed

Bruiser · ‎04-11-2007

Since this forum got a specific area for credit cards, I thought I'd re-post this with updated info.

The following information is from my own experience and compiled data from other areas of the internet and friends. Please feel free to add to this list if you get approved for something not listed on here and have a BK on your credit report. Hopefully this helps people and saves them an INQ hit due to applying and getting denied for credit.

Also the info listed is gathered by the lowest score approved by at time of applying. It may or may not have lower requirements when applying. Be sure to check if they use a different cra when pulling your credit report. The ones showed below were experienced by myself or others.

Store cards are not included. That will be used for another thread.

-500-

Credit One Bank

568+

Experian

http://www.creditonebank.com

House Hold Bank

High 500's

Experian

http://www.householdbank.com

Orchard Bank

540+

Experian

http://www.orchardbank.com

Tribute

568+

Equifax

http://www.mytributecard.com

First Premier

525+

Various

http://www.firstpremier.com

-600-

CCCU

600+

Experian

http://www.mycccu.com

Patelco

620+

Experian

http://www.patelco.org

Providian

600+

Various (depends on where you live)

http://www.providian.com

Navy Federal Credit Union

600+

Equifax

http://www.navyfcu.org

Juniper

600+

TransUnion

https://www.juniper.com (click on partners and they have a list to apply for)

(us airways & carnival seem to be the bk friendly ones)

Nasa Federal Credit Union

620+ & Have a good DTI Ratio and No baddies/lates since BK

Equifax

http://www.nasafcu.com

Justice Federal Credit Union

640+ & Have a good DTI Ratio and No baddies/lates since BK

Equifax

http://www.jfcu.org

I will update more as I gather the info. Also don’t forget about Credit Unions. They can be your friend when it comes to approving you with a BK.

Message Edited by Bruiser on 07-20-2007 08:18 PM

Vu · ‎05-09-2007

Is it not that Providian is now Washington Mutual?

Starting Score: 580
Current Score: 580
Goal Score: 750

Take the FICO Fitness Challenge

VLGaffEsq · ‎05-12-2007

Yes, Providian Financial was bought out and is now Washington Mutual.

Bruiser · ‎04-11-2007

anyone had experience with them since they were bought by wamu?

i just did some checking

wamu seems to be approving with a bk and as low as 590's for their cc

lost2007 · ‎05-29-2007

Are you sure, where did you hear or see this?

Vapchez · ‎03-19-2007

I notice that you listed Juniper. I keep getting offers from them and the rate is fantastic (8.99% Fixed) but I don't know much about them. I know they are owned or was recently brought out by Barclays.

Bruiser · ‎04-11-2007

lost2007 wrote:
Are you sure, where did you hear or see this?

well i've seen two people in the 500's with a bk get wamu about a year ago

i don't know if it is still that way, that is why i didn't list them

however Providian seems to be owned by wamu now,...so does anyone have any clarification or experience with them?

Message Edited by Bruiser on 07-18-2007 09:15 PM

Bruiser · ‎04-11-2007

Vapchez wrote:
I notice that you listed Juniper. I keep getting offers from them and the rate is fantastic (8.99% Fixed) but I don't know much about them. I know they are owned or was recently brought out by Barclays.

Juniper is one of those that i don't have personal experience from. From the people that I know personally however, they have mixed feelings about. They're bk friendly with a decent apr, but a few friends have been hit with a hidden annual fee. Be sure to get details on these guys.