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Established Contributor
Posts: 741
Registered: ‎10-04-2010
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Re: Bk.....what are your highest CL

[ Edited ]

emptypockets wrote:
My BK should drop off (finally) 6/2012. My cards and limits are listed in my signature. The Delta Amex is 2 yrs old, and started at 6k. Alliant is also 2 yrs old, and started at 5k.

I'm curious about when you got your first AMEX card...i.e how many years post BK. The Delta Amex is my dream card but I am not planning on applying till I am at least eight years out (four years out now)

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Contributor
Posts: 93
Registered: ‎01-31-2008
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Re: Bk.....what are your highest CL

I am about 4 years post CH7 BK, and my highest CL's are: 

$16,100 NFCU CC

$5,000 NFCU NavChek

$3,450 Barclays iTunes

and then the rest are around $2k or less.


Starting Score: 686 EQ (8/9/12), 668 TU (WalMart 8/8/12), 685 EX (3/25/14)
Most Recent Score: 684 EQ (3/26/14), 688 TU (3/25/14), 685 EX (3/25/14)
Goal Score: 700+


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Established Contributor
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Registered: ‎10-28-2011
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Re: Bk.....what are your highest CL


emptypockets wrote:
My BK should drop off (finally) 6/2012. My cards and limits are listed in my signature. The Delta Amex is 2 yrs old, and started at 6k. Alliant is also 2 yrs old, and started at 5k.
I am curious to getting a AMEX ...when were you approved for the amex cards u have?

Established Contributor
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Re: Bk.....what are your highest CL


amercnchopz34 wrote:

emptypockets wrote:
My BK should drop off (finally) 6/2012. My cards and limits are listed in my signature. The Delta Amex is 2 yrs old, and started at 6k. Alliant is also 2 yrs old, and started at 5k.

I am curious to getting a AMEX ...when were you approved for the amex cards u have?


 

Any other BK CL reports....interested ???

 


Established Contributor
Posts: 799
Registered: ‎09-27-2011
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Re: Bk.....what are your highest CL


amercnchopz34 wrote:

emptypockets wrote:
My BK should drop off (finally) 6/2012. My cards and limits are listed in my signature. The Delta Amex is 2 yrs old, and started at 6k. Alliant is also 2 yrs old, and started at 5k.
I am curious to getting a AMEX ...when were you approved for the amex cards u have?

With VERY rare exceptions, AMEX is not BK-friendly...period. You can try, but nearly every time you apply it will be a wasted INQ with a BK on your report.

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
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Registered: ‎05-09-2012
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Re: Bk.....what are your highest CL

I have green at zero balance that survived bk and have scores in mid 600's they were doing SP during bk but let me keep card ....have cap 1 with 1500 limit and another 1250 just got barclay ap with 2300 limit


CreditCrusader wrote:

amercnchopz34 wrote:

emptypockets wrote:
My BK should drop off (finally) 6/2012. My cards and limits are listed in my signature. The Delta Amex is 2 yrs old, and started at 6k. Alliant is also 2 yrs old, and started at 5k.
I am curious to getting a AMEX ...when were you approved for the amex cards u have?

With VERY rare exceptions, AMEX is not BK-friendly...period. You can try, but nearly every time you apply it will be a wasted INQ with a BK on your report.


 

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Posts: 472
Registered: ‎04-09-2012
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Re: Bk.....what are your highest CL

My bk was discharged in 2006.  I applied and got 3 "starter" cards in 2008.  It wasn't until this year that I apped for anything and got 2 cards from Barclays - one an Apple financing card with a CL of $2400 and one a US Airways card at $3500.

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
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Posts: 1,043
Registered: ‎02-03-2009
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Re: Bk.....what are your highest CL

[ Edited ]
Re: my AMEX cards, I innitially got in with AMEX in 2007. At the time, my mother passed away, and she had a AMEX green card from 2001. When I called to notify them that she passed away, they asked me if I wanted to keep it ( backdated with her acct age). They sent me papers and a credit app, and they did actually do a INQ, so I know they are aware of the BK. I had zero late payments since the BK, and all IIB accts had fallen off my reports by this time as well. To my surprise, it was approved. In 2009, I upgraded this card to the Gold PR. In 2010, I apped for Delta Gold, and was approved with a 6k limit. In 2011, I apped for HH, and got a 4k limit. My final app for BCP was 2/12, and I got the 5k limit. When I got that card, I did not get the top tier Interest, and got my EX score (733 in 2/12), along with one of the reasons listed for me not getting the best rate being 'derogatory public record/bankruptcy.' I have had about 1 yr between each app, except BCP. I PIF with AMEX because knowing I have the bk still reporting, I don't want to tempt the gods, LOL! I think in order to get decent credit lines post BK, it is imperative to have NO LATE payments EVER, keep your Util low ( mine currently hovers between 6-8%), get rid of any old negatives on your reports ASAP, and be mindful of keeping a collection of sub-prime, low limit cards (search the boards to find a good credit union, or get a secured card).

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
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Posts: 208
Registered: ‎05-28-2012
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Re: Bk.....what are your highest CL

This thread gives me hope on how far you can go just a couple yrs ago post BK

Credit Karma - 636 8-12-12 USAA
Credit Rebuilding Mode - Cap 1 Plat(500CL) SHOW MC(300CL)
Clean Up Mode - Goal - No New Apps till 6/2013
Frequent Contributor
Posts: 483
Registered: ‎05-06-2009
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Re: Bk.....what are your highest CL

$23,800 NFCU

$20,000 PSECU

$20,000 PSECU

$10,000 BoA

$10,000 PenFed

$10,000 360 FCU

$6,000 Chase Sapphire Preferred

Misc others below that

 

good luck!  work hard and it pays off.

BK7 Discharge 3/05


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