@Creditaddict wrote:
@heyyou12 wrote:Any capitol one card that you reccomend
go to the site and do the prequal link... if they don't say your pre-approved for one I would not apply
Do you think so? I find the Cap One prequal link a little finicky. Recently I was pre-approved for the Venture Card. A few days later, with no changes to my report, I had no preapprovals and they suggested I apply for a Classic Platinum with $39 AF. I would think a score of 663 would be good enough for a Cap One card. I got my current card (which is the Classic Plat with $39 AF) when my scores were low 600s and in a worse credit market.
But I didn't have a BK. Is that part of the reason you're suggesting the OP not apply with his current score if there are no preapprovals?
Starting Score: ~500 (12/01/2008)
I got approved for the Capital One STANDARD platinum card with no credit history at all. It only a $300 limit... But it's unsecured 
@Anonymous wrote:
I got approved for the Capital One STANDARD platinum card with no credit history at all. It only a $300 limit... But it's unsecured
My scores just increased too 686 and i am looking for a card for 1000 dollars an up.. Anyone that has bout the same scores as me am can reccomend a good card that will be awesome, and thanks very much for all your previous responces
@heyyou12 wrote:
@Anonymous wrote:
I got approved for the Capital One STANDARD platinum card with no credit history at all. It only a $300 limit... But it's unsecuredMy scores just increased too 686 and i am looking for a card for 1000 dollars an up.. Anyone that has bout the same scores as me an can recommend a good card that will be awesome, and thanks very much for all your previous responses
Bump
Bump
@heyyou12 wrote:Ok guys i just got the new report with my credit increase that i was talking bout.. My credit scores went from 663 too 686 soo with this new scores and what i have said thus far bout my credit, will you say that this will get mee approved for bout any unsecured card that i will like to be applying for
I think that with a very thin credit file, and a bankruptcy reporting that you might want to take it easy, and wait for a bit. You mentioned that your BoA secured card is just about a month old. Your only other tradeline is an AU account. I think that you'll have to forget about your scores for a moment, and proceed as if you're very new to credit, as your credit file would indicate. Let your BoA Secured Card age (PIF each month!) for at least six months, and get some good history behind it. You can also increase your secured deposit to $1k or greater (assuming it's not already there) in the meantime. While you wait, look for a good credit union. There's lots of recommendations in this forum, but you can also look locally! Interview them, and ask them about their lending standards if you have a bankruptcy. If they won't extend credit with a BK reporting, on to the next one on your list. When you find one that you love, and that is BK friendly (there are lots of options), then park your direct deposits in a checking acccount, make regular savings deposits as well, and wait out the six months. Then... apply for an unsecured credit line. I think that with a current non-AU account in excellent standing, but with history behind it, with a CL over $1k, that you'd not have trouble securing a credit line greater than $1k, unsecured, with a credit union. Particularly so if you look at some of our favorites that we're always raving about in this forum!
Your FICO scores, while on the rise (congrats on the increase!!!) are not the only factor in the decision to grant credit. Especially now, post credit crisis, the content of your credit reports, and your credit experience, is as, if not more important (for lots of lenders) as the score itself.
And, if my suggestion or that of others who've replied isn't satisfactory, you can always look here: Credit Card Center for some recommendations!
Good luck, and let us know what you decide.