Barclays has a Rewards MC for avg credit that is bk friendly. You may have to recon. Good luck
@grassfeeder wrote:I'm 7.5 months out from discharge on a Chap. 7
I've got a secured local CC card (6 months reporting) $500 limit-$10 balance and a secured Cap 1 card (2 months reporting) $200 limit-$0 balance. JCrew store card (1 month reporting) $250 limit-$0 balance - I also have an auto loan $13.5k remaining.
I have gone through the Capital 1 pre-approval and they have not found a unsecured card they'd recommend. Who knows if they ever will.
If I can't even get an unsecured card with Cap 1 - am I wasting my time even thinking about Barclays Apple Card? Would one almost eliminate the other?
Current FICO scored are in signature below.
Thoughts?
Barclays wants to see 6 months of revolving credit post-BK before approving. You could be successful at about 5 months but I wouldn't recommend anytime sooner. Also expect to recon, this is not a big deal with Barclays. You could give it a shot with once your 5th capone and CU statements have cut. In the meantime, bump up your secured card as much as you can. It will help when new lines are approved.
You can get an unsecured card with capone right now if you want. I got mine 2 months after having the secured version. Nothing popped up pre-approval wise. I just apped and got approved. It will cost you 3 HPs.
Starting Score: 501