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How long after a BK before you can get a good deal on a credit card?

New Contributor

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?
8 REPLIES
Regular Contributor

Re: How long after a BK before you can get a good deal on a credit card?

read my post on the link below for bk friendly cards
 
 
 
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Established Contributor

Re: How long after a BK before you can get a good deal on a credit card?

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
Valued Member

Re: How long after a BK before you can get a good deal on a credit card?

Smiley Surprised

EQ Fico08 714 (03/21/15) EX Fico08 : 649 (03/22/16) TU Fico08: 737 (03/22/15)
Valued Contributor

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! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Valued Contributor

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 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)
Valued Contributor

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 (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Valued Contributor

Re: How long after a BK before you can get a good deal on a credit card?

Oh!!! Ugh! Smiley Indifferent
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! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Valued Contributor

Re: How long after a BK before you can get a good deal on a credit card?

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