Quick question

[RW771]

If you have previous CO's (paid) that still appear on your CR, what are the chances of getting approved for another card? I had a Walmart and Sams card that was CO'd back in 2007 backed by GE. Now it seems every dang furniture store and even Lowe's are all backed by GE. Do I even have a shot in the dark at getting approved or should I not even waste the inquiry and potential denial?

[Creditaddict]

It seems to depend on what card.

JCpenney I feel I have read have given people a new JcPenney card a few years down from a old bad one.

I feel I have heard the same on Walmart and PayPal for sure... not about others.

[p-]

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@RW771 wrote:

If you have previous CO's (paid) that still appear on your CR, what are the chances of getting approved for another card? I had a Walmart and Sams card that was CO'd back in 2007 backed by GE. Now it seems every dang furniture store and even Lowe's are all backed by GE. Do I even have a shot in the dark at getting approved or should I not even waste the inquiry and potential denial?

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Why not apply?  If you have to wait for the chargeoff to go away before you're approved, the inquiry will be gone by then too.

[RW771]

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@p- wrote:

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@RW771 wrote:

If you have previous CO's (paid) that still appear on your CR, what are the chances of getting approved for another card? I had a Walmart and Sams card that was CO'd back in 2007 backed by GE. Now it seems every dang furniture store and even Lowe's are all backed by GE. Do I even have a shot in the dark at getting approved or should I not even waste the inquiry and potential denial?

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Why not apply?  If you have to wait for the chargeoff to go away before you're approved, the inquiry will be gone by then too.

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I guess I just don't want all the inquiries, since I'm also wanting to get a Home Depot card and possibly some sort of prime cc as well. That would make a total of 4 inq's, including my mortgage inquiry. I guess I'm just trying to keep my credit clean since it's taken me forever to bounce back and I'm afraid to get denied lol.

Is it better to apply on-line or in-store? Is there a better chance getting approved or a larger CL appyling in store vs. online?

[xlr8d]

I think it just depends on the lender, if they have been burned before by you. I have an old cap1 charge off from 2007(paid but can't get it deleted) and I currently have cap1, discover, amex, boa. All with a CO on my CR still

[Anonymous]

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@RW771 wrote:

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@p- wrote:

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@RW771 wrote:

If you have previous CO's (paid) that still appear on your CR, what are the chances of getting approved for another card? I had a Walmart and Sams card that was CO'd back in 2007 backed by GE. Now it seems every dang furniture store and even Lowe's are all backed by GE. Do I even have a shot in the dark at getting approved or should I not even waste the inquiry and potential denial?

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Why not apply?  If you have to wait for the chargeoff to go away before you're approved, the inquiry will be gone by then too.

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I guess I just don't want all the inquiries, since I'm also wanting to get a Home Depot card and possibly some sort of prime cc as well. That would make a total of 4 inq's, including my mortgage inquiry. I guess I'm just trying to keep my credit clean since it's taken me forever to bounce back and I'm afraid to get denied lol.

Is it better to apply on-line or in-store? Is there a better chance getting approved or a larger CL appyling in store vs. online?

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Can you not wait and apply for whatever prime card you're looking at first?