My credit card history since BK

[Anonymous]

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@pkhuu78 wrote:

Thanks!

I am hoping to re-establish relationship with them again by the end of this year or early next year.  I have included them in my bk back in Oct. 2003.  I had one of their student card at the time.  Anyone knows if they blacklist or not?  Currently in Garden mode..

Current cards:

Amex GPR / back dated to 1998

Amex Costco / back dated to 1998 // $4500 Zero Balance

Bofa Americard Cash Reward / April 2011 // $2000 Zero Balance

Barclay Apple / Dec. 2011 // $1800 Zero Balance

Bloomingdales / Dec. 2001 Zero Balance

Capital One steps card / July 2005 //$3500 since Jan. 1st 2007 Zero Balance

Union Bank Visa / Aug. 2010 // $13000 with $5500 balance

Union Bank Amex / Nov. 2011 // $10400 with $700 balance

Chevron / Feb. 2009 // $1200 Zero Balance

Cheveron Visa / Aug. 2009  // $5500 Zero Balance

Lowes Visa / April 2006 // $8500 Zero Balance

Paypal Smart Connect / Aug. 2008  // $4000 Zero Balance

Sam's Club / Feb. 2009 // $9500 Zero Balance

Sam's Club Disc. / Nov. 2011 // $1600 Zero Balance

Hooterd / Nov. 2009 // $3200 Zero Balance

Nordstrom Visa Siggy / Sept. 2009 // $7500 Zero Balance

Sears / Sept. 2009  // $1000 Zero Balance

Dell / Oct. 2009  // $2000 Zero Balance

Cabela's Visa / Dec. 2011 // $4500 Zero Balance

Ex Plus Score: 742 / 9 inqs

EQ my Fico : 697 / 3 inqs

TU my fico : 702 / 5 inqs

I am thinking to close out Dell, Paypal, Sears, Hooters, Chevron and Bloomingdales (of course not all at one time) and pulling a trigger on Chase Freedom or Slate.   Do you guys think i have a chance? 

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Hmm... It looks like someone is addicted to CC applications .

But in all honestly, how do you manage to keep up with all the payments, i.e. amount of statement coming in the mail per month is crazy.

[pkhuu78]

an addict is right.  Well I am using Excel to help me out.  At the same time, if possible I would ask creditors to change my close date to the last week of the month. 

[Hammer23]

I'm at the point where I would really like to get a Prime card or two. 

I really would like Discover, Citi, or Chase and to lose some of the lower limt players in my portfolio. 

I don't think any of the above are all that BK friendly though. Chase is a definate no no for me since I burned them in my bk. 

[pkhuu78]

Hammer23, I also get approved for a Discover Cash Back Bonus in December of 2011 with CL of $4000.  I guess I have missed that one on the list.  So I think you should be good with Discover..

[Hammer23]

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@pkhuu78 wrote:

Hammer23, I also get approved for a Discover Cash Back Bonus in December of 2011 with CL of $4000.  I guess I have missed that one on the list.  So I think you should be good with Discover..

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I tried them in the fall with a FICO of 678 and was TD'd due to my bankruptcy. I called back to RECON and they said they will not approve with the BK. I know that is inaccurate based on what I have read here, however I figured I would wait until my utilization is low and my score recovers. My BK will be discharged 3 years in March, so maybe I'll wait till April and try again. Most of my accounts will be over a year by then too.

[pkhuu78]

yeah, you might want to wait until your BK is 7 years or older.  It is working for me....I just want to add Chase into my profile and after that i will close out a majority of all my cards and only keep a few (Amex, BofA, Nordstroms, Discover and Lowes Visa).  The rest can go, the first to go is Cap1.  I have been trying for a CLI or PC for the past 3 years without any luck at all..

[Hammer23]

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@pkhuu78 wrote:

yeah, you might want to wait until your BK is 7 years or older.  It is working for me....I just want to add Chase into my profile and after that i will close out a majority of all my cards and only keep a few (Amex, BofA, Nordstroms, Discover and Lowes Visa).  The rest can go, the first to go is Cap1.  I have been trying for a CLI or PC for the past 3 years without any luck at all..

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I did not know there was a Lowes Visa card... That is cool. 

My ultimate goal would be 4 cards:

My Credit Union Visa (BFG) 8.9% fixed rate. --- GOT IT! 

Wells Fargo Visa -- Hope this will grow with me as far as the limit --- GOT IT! 

Discover Rewards Card --- Working toward this one

Citi Platinum Select --- Working toward this one as well. 

I would more than likely sock drawer the ones with no AF and close the rest with AF. 

[visorboy1974]

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@pkhuu78 wrote:

yeah, you might want to wait until your BK is 7 years or older.  It is working for me....I just want to add Chase into my profile and after that i will close out a majority of all my cards and only keep a few (Amex, BofA, Nordstroms, Discover and Lowes Visa).  The rest can go, the first to go is Cap1.  I have been trying for a CLI or PC for the past 3 years without any luck at all..

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From what I understand, 5 and 7 years are magic dates post BK.  

I've had creditors turn me down flat after 4 years 10 months that approved me after 5 years wthout a problem.  My cards are getting more prime every year!  

[credit911]

You guys are doing great! I only have my USDA mortgage and 1 visa card through my credit union. My BK7 was discharged in 11/07. I am always so hesitant to even try for a new card, I guess I have a fear of rejection.

[Hammer23]

So I found out today that I need some dental work done (lucky me!) so I applied for Care Credit (with 2 kids and I dog I'm sure I'll use it) I was approved for a $1000 line.

My question is that First Premier is my oldest account post BK. Will it hurt me to close it?