Below 10.1 APR CC With Bk On File..

[Andy77]

I am looking for a CC that has an APR below my Penfed APR of 10.24 (or what ever their lowest is)

I have a ch 7 bk that is just over 7 years

EQ 705

EX 718

TU 723

31 accounts paid on time (open and closed)

no lates

just the bk trade line

15 accounts open accounts with 0.00 bal (75k avail credit)

one account maxed 23k limit,, bal 21k

about 5 inq on EQ

12 inq on EX with 2 in last 6

not sure about tu

Does anyone have any recommendations ?  

Thank you!!

[RonM21]

Maybe something with NFCU? I think they have a card that goes as low as 8+ % . But obviously that APR prob is depending on the applicant.

[Anonymous]

not sure about BK, but you should be able to do some debt shuffles eventually. That way you are never paying any interest. You need at least one card that has no BT fees, and then another card that regularly does BT offers at 0%, like citi, bank of america, etc.

your overall util is 28% but in applying for another card it might not look good that you have one maxed out.

[Guyatthebeach]

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@Andy77 wrote:

I am looking for a CC that has an APR below my Penfed APR of 10.24 (or what ever their lowest is)

I have a ch 7 bk that is just over 7 years

EQ 705

EX 718

TU 723

31 accounts paid on time (open and closed)

no lates

just the bk trade line

15 accounts open accounts with 0.00 bal (75k avail credit)

one account maxed 23k limit,, bal 21k

about 5 inq on EQ

12 inq on EX with 2 in last 6

not sure about tu

Does anyone have any recommendations ?  

Thank you!!

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 Andy77,

You have a few options:

SDFCU 7.24 (my best rate right now is 10.99)

NFCU 8.24 (I just joined and mine is at 12.99>

Barclay Ring 8.0 (I have this card at 8.00)

My chapter 7 bankruptcy was discharged in 2012.