No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
it really depends. There's no fixed answer.
If you really want to be on the safe side, wait >3 years.
Got a freedom card with a 120 day derog on a student loan. Granted that was almost four years ago. They did ask me about it though.
I have a number of derogs on student loans from about 2006-2009 and bank of america approved me for $2000. As long as you have some revolving credit currently I think you have a good shot.
@enharu wrote:it really depends. There's no fixed answer.
If you really want to be on the safe side, wait >3 years.
+1
My last deorog (late payment) was in Feb 2010 and when I apped this year (Approved), the late payment was not listed as reasons for consideration (Or reasons not to approve). I have paid many accounts on time since. YMMV.
@gatortrades wrote:
Cashondelivery, what card were you approved for?
I suppose I'll just keep working on things and app for cards in 18 months or so.
Freedom