Sallie Mae and a BK?

[04Cobra]

Hello everyone, 

Need a little input. As you may already know, I filed CH7 back in 2010. I'm currently looking to add a Sallie Mae cc into the mix and will probably be my last cc until my BK falls off in a couple years. Stats are:  AAoA is 8 years, util under 15%, 3 inquiries on TU. Couple baddies on report that will drop off at the end of 2015.

Here's the question... Do I apply right now? Or should I wait until baddies fall off next year to get the most favorable terms and maybe a higher CL? Thanks for the help

[Creditaddict]

by the looks of your other cards, you are good for a nice limit instant approval.

It's Barclay, they are not afraid of baddies, especially older ones.

[PlasticOrPlastic]

Mine was an instant approval a couple weeks ago, BK7 from 2011.  Card is awesome and the 0% interest for a year makes it even more awesome!