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I am 4 years 3 months discharged from my chapter 7 bk. I have one charge off from 3 years ago that i cant get rid of, otherwise I have 3 perfectly paid credit cards, paid off completely and never missed a payment. Can anyone reccomend any cards that have a higher limit. I currently have 3 cap one cards all with $750 credit limits.
Do you know your TU score? I got a Barclays iTunes Visa with a $1500 limit 1.5 years after discharge. My TU score was 710 at the time. Barclays pulls TU. You can request (or they will automatically grant) increases every six months. CL is $6000 now.
I have not asked about my capital one cards. Are they soft pulls ? I dont want any hard inquries
@apu6speed wrote:I am 4 years 3 months discharged from my chapter 7 bk. I have one charge off from 3 years ago that i cant get rid of, otherwise I have 3 perfectly paid credit cards, paid off completely and never missed a payment. Can anyone reccomend any cards that have a higher limit. I currently have 3 cap one cards all with $750 credit limits.
You may want to look in the "Rebuilding" section for some ideas on how to handle a CO.
Cap One does SP CLIs. There's a LUV button on their site (they don't make it easy to find). If you don't have success with that, you may want to call their EO. I managed to get a $250 CLI on my Cap One (was $400 before that)