06-14-2013 10:51 AM
06-14-2013 11:00 AM - edited 06-14-2013 11:05 AM
I have gotten a cap one platinum with a $300 CL and also just got a cap one rewards (green) with a $500 CL, both unsecured... Just could use some of the ones I mentioned and Tryed wal mart and got denied.. Bk discharged in march
OP, you are better off posting this on the BK board next time. Advice is generally well vetted there with very experienced folks.
That being said, youve done a good job so far. Citi is out of the question in 90% of the time this early. Conventional wisdom is don't bother applying till your Bk is 5-7 years. You techinically need 3 cards to get your full rebuild going. You could go two routes here (either of which I would recommend).
If you keep both cards you currently own for about 5 months while keeping your util 1-3%, then you can re-apply for a GE card and a Barclays product. Other than that, consider joining a local CU (Vet their BK policy in detail) and open a secured loan/credit builder loan. Use the loan and open a secured card with them. That should give you 4 accounts in about 5 months once again Barclays and GE will be within reach.
Search soulmaster on the BK thread, he has an excellent from Bk-700 fico in 24months step by step guide.
06-14-2013 12:21 PM
06-14-2013 02:14 PM
Ok it might be possible to get unsecured cards but i guess they have the worst terms high annual fees and APR..
Umm, Jan 2010 BK7 here...and I have over $50,000 in available credit and three prime credit cards with optimal APRs and no AF.
Blanket statements are typically untrue when it comes to BK and CCs. Each lender views them differently...and with respect, not all BKs are the same or are viewed the same by said lenders.
06-14-2013 05:15 PM
06-14-2013 05:18 PM - edited 06-14-2013 05:18 PM
06-14-2013 05:25 PM - edited 06-14-2013 05:27 PM
if your BK is too recent (less than 3 or 4 years) you won't be able to qualify for any insecured credit cards not even store cards.... just secured card at this point....
I got three unsecured cards less than 30 days from discharge.Two bad ones with high interest and fees and one very good card. See signature.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.