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Thank you for the support Irish80.
Comenity Cards has a lot of stores with cards, but I am not a major shopper, nor am I devoted to any specific brand. Does it matter which card I apply for?
Do they have to use a card in any specific store? I've never owned a store card before. (I did say I wasn't a shopper :-))
If you specifically need a card for a specific purchase then a store card isn't going to help. You need to stick with the major credit cards. As for Comenity, they do offer Visas for Sportsman Guide, Virgin America and Total Rewards. There may be others but those are the ones that come to mind.
@Anonymous wrote:Thank you for the support Irish80.
Comenity Cards has a lot of stores with cards, but I am not a major shopper, nor am I devoted to any specific brand. Does it matter which card I apply for?
Do they have to use a card in any specific store? I've never owned a store card before. (I did say I wasn't a shopper :-))
First off most store cards are locked to stores that you get them from. Some have access to the MasterCard or Visa networks and can be used like any credit card such as the Walmart MC. Since you burned Capitol One directly with your BK you are not going to get much sympathy from them. You are better off getting other lenders under your wings to show you have improved. If you tell us who you burned in the BK we can better help you pick a card. I am not sure what you are planning to buy but whatever it is many stores will have financing and if you are not buying in one of those stores I would get a Bank card for rebuilders since it sounds like you might not have made any new lender friends since your BK. Lastly most credit reports can be corrected yourself with no cost. I recommend you change to fixing it yourself so that you know what is in your file that is so nasty that very few lenders will issue you cards.
CapOne has ADD for being burned. I have read stories of charge offs being a month old with them and getting approvals.