@obageegee wrote:I burned the same back in 2006. I just got back with Citi, Chase and Amex a few weeks ago. I tried backdating my Amex today and they said that since I burned them I can't back date.
God-Lee, that's what is that.....8,9 years
8,9 years seems like an eternity for me.lol
Thanks
Btw, Congrats on getting back with them.
I envy you,
@Andy77 wrote:
Get a citi secured card...I burned them in my 2009 bk and one month after my bk, back in 2009, I got a secured card with 200 limit..used the hell of it and 4 years later that limit is 5k
I got a 2nd secured card with them and put down 2k and used the hell out of it and they increased it to 7k
I think secured with citi is the way to go...get the application at the bank
I have a pre selected fully secured cash reward card offer from BofA after they denied me for their cash reward card.
I have until 6/26 to accept it. ( Which I probably will ).
My plan is to get the bofa fully secured cash reward for 300 as it is a prime card and go back into my cage
Thanks
@sandman2435 wrote:From what I have learned,I've burned Chase, BOA Citi and wells fargo,I was able to get back in with Chase,BOA and Citi,Wells fargo is not burn friendly at all
How long did it take you to get back in with each of them?
Congrats
@Shogun wrote:I had COs from Chase, Discover, Citi, GECRB, Commenity and who else knows. But my difference was I paid them all back, every dime. Everyone I had CO'd, with the exception of HSBC, whom I'll never have any dealings with ever again, I'm back in with.
Must be proud......
I wish I could do that.
Thanks
@SunriseEarth wrote:Discover denied me for BK recently (they were IIB), but I may try them when my BK falls off. Macy's denied me since they were IIB, but I was able to recon with them since I'm +4 years out of BK. I haven't tried Citi or BoA (they were IIB). GECRB let me back in with a JCP preapproval almost two years ago. Cap One let me get the Sony Card on recon, after I had two post BK COs with them.
@SunriseEarth wrote:Discover denied me for BK recently (they were IIB), but I may try them when my BK falls off. Macy's denied me since they were IIB, but I was able to recon with them since I'm +4 years out of BK. I haven't tried Citi or BoA (they were IIB). GECRB let me back in with a JCP preapproval almost two years ago. Cap One let me get the Sony Card on recon, after I had two post BK COs with them.
What about a recon with Discover?
I never had a bofa, but have a fully secured version waiting for me. Looking forward to it
Do you recall any drops on your score after this happened?
Thanks
@ways2go wrote:I went chap 13 in '89 with citi for about $1500. I tried last feb. and was denied because of BK. They have a mind of an elephant. I still get pre-approvals from them.
Walt the hell minute......lol
Wow, thats crazy. Isnt chap13 only stays on your report for 7 yrs? my goodness.
Sorry about your denial.
Thats an understatement.
@bk510 wrote:
@ways2go wrote:I went chap 13 in '89 with citi for about $1500. I tried last feb. and was denied because of BK. They have a mind of an elephant. I still get pre-approvals from them.
Walt the hell minute......lol
Wow, thats crazy. Isnt chap13 only stays on your report for 7 yrs? my goodness.
Sorry about your denial.
Thats an understatement.
Yes, a discharged Ch 13 stays on your CR's for 7 years but lenders keep their own internal records. there's no way of knowing if you are on their blacklist until you app.
