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Registered: ‎03-07-2007
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How long after a BK before you can get a good deal on a credit card?

My chapter 7 was discharged in 03. My scores are: TU 553, EQ 649 and EX 682. For a few years I have had an Aspire Visa and an Orchard MC. They have hefty annual and monthly fees. I got denied at citibank. Without the BK I think my FICOs would have been good enough (as long as they don't pull TU.) Is there a credit card with no annual fee with a BK discharged 4 years ago?
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Registered: ‎04-11-2007
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Re: How long after a BK before you can get a good deal on a credit card?

Established Contributor
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Registered: ‎06-30-2007
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Re: How long after a BK before you can get a good deal on a credit card?

[ Edited ]
sorry posted in wrong thread


Message Edited by rbbyrbsn on 07-16-2007 06:13 PM
People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS
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Registered: ‎03-22-2013
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Re: How long after a BK before you can get a good deal on a credit card?

[ Edited ]

:smileysurprised:

WM TU Fico : 721 (05/04/13) EQ FICO : 676 (05/16/13) EX Plus: 741

____20k_________5k__________3k_________1.2k______
Valued Contributor
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Registered: ‎12-19-2012
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Re: How long after a BK before you can get a good deal on a credit card?

If your BK was discharged in 03, that means it has been almost 10 years, not 4, right?
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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
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Posts: 2,400
Registered: ‎11-29-2012
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Re: How long after a BK before you can get a good deal on a credit card?

This thread is from 2007.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
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Registered: ‎02-03-2009
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Re: How long after a BK before you can get a good deal on a credit card?

 


MovingForward_2012 wrote:
If your BK was discharged in 03, that means it has been almost 10 years, not 4, right?


Holy old thread Batman! You are responding to a thread from 2007..


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: How long after a BK before you can get a good deal on a credit card?

Oh!!! Ugh! :smileyindifferent:
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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
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Registered: ‎12-19-2012
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Re: How long after a BK before you can get a good deal on a credit card?

It wasn't me that resurrected it. :smileytongue:
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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
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