Thanks mikey for the suggestion and I would highly consider it if the card wasn't backed by Citi. I burned Citi in my Ch 7 BK in 2003. The CL was $2700. I am steering clear from Citi plus I heard their underwriting policies are pretty stiff and that recon is difficult. I have a Best Buy store card that will soon be backed by Citi so we will see what happens with that. You have a great limit based on where you are now relative to your filing date. 
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13!
Congrats OP on getting in the door with Chase. I only got $1000 limits on Freedom and Discover It. You are on your way!
@Sha80 wrote:
I had to update this thread. After feeling like dirt after 3 denials, I took the plunge & applied for Chase Freedom & was denied. Called to recon & was approved for a $500 limit Saturday. Limit is low but something. Actually higher than my DH who has a $5000 Discover It yet Chase only gave him $300. I'm moving forward, they pulled my Experian at 648. I also got my denial from Discover & listed reason is BANKRUPTCY in all caps LOL. My FICO for the Equifax they pulled is 652.
Congrats!
@Creditaddict wrote:
@starry1 wrote:I talked to a Discover underwriter about a month ago and she told me 24 months post ch7. I called up and pretended like I was thinking about applying and asked her what their requirements are. She wouldn't tell me what scores they want because its proprietary information.
I was at a 684 and the only issue they had was debt "supposedly" but my friend was able to get approved for $3500 on pre-approval online with about 95% util and a bk while fast forward to this year and my partner with spotless credit only got 4500 so they have the ODDEST computer system to me I just don't understand what they consider okay debt vs bad debt vs....
I got approved 22 months post BK 7.....
@mikey4833 wrote:
@starry1 wrote:I talked to a Discover underwriter about a month ago and she told me 24 months post ch7. I called up and pretended like I was thinking about applying and asked her what their requirements are. She wouldn't tell me what scores they want because its proprietary information.
I am almost at 4 years 3 months away and Discover declined me for bankruptcy after they told me all I had to do was clean 2 charge offs from Swiss Colony from my credit which I did and my highest Fico is 718 and the one they pulled was 661 equifax. I opened a new message on this earlier and I got all different answers over 4 years 6 years, etc.. Discover New accounts dept wouldn't tell me when the cut off time is...
approved.....22 months out of bk.
@phoenix_one wrote:
The BK does not only have to be discharged but it has to be cleared from your credit report.
As long ANY derogatory information shows on your CR, it will be used against you.
I had to wait until my Chapter 13 fell off my records for me to be approved for prime cards.
It's OVERATED!!!!!!
