Credit Card Center Advertiser Disclosure

Reply
Valued Member
Posts: 42
Registered: ‎10-21-2013
0 Kudos

Secured Credit Cards That Approve With A Bankruptcy?

Anybody know of secured cards that'll approve with a bankruptcy on file. I know both CapOne secured and OpenSky both approve, wondering about others. 

TU08 - 823
Contributor
Posts: 94
Registered: ‎07-11-2013
0 Kudos

Re: Secured Credit Cards That Approve With A Bankruptcy?

Fifth Third after a year and a half for me.  And US Bank after two years.  Credit Unions might approve, but it varies.  I had one that approved and two that denied a year after bankruptcy.

Capital One Quicksilver: 14k * Barclay Sallie Mae: 5k * Alliant: 4k * Bank of America (graduated!):6k * Discover (secured): 500 * Best Buy Visa: 4k * Amex BCE: 1k, Amex Everyday: 1k * Target RedCard: 2400 * Synchrony: Amazon: 5k, Walmart: 10k * Citi (secured): 500
Valued Member
Posts: 42
Registered: ‎10-21-2013
0 Kudos

Re: Secured Credit Cards That Approve With A Bankruptcy?

You had US bank approve with a bankruptcy on file? It even states that they don't approve bankruptcies on the website ;\. 

TU08 - 823
Valued Contributor
Posts: 2,114
Registered: ‎05-05-2010
0 Kudos

Re: Secured Credit Cards That Approve With A Bankruptcy?


doctorofcredit wrote:

You had US bank approve with a bankruptcy on file? It even states that they don't approve bankruptcies on the website ;\. 


It states that "they may not be able to approve if your credit report reflects a BK."

 

I have read that folks have been able to get a US Bank/Elan with a BK, but its usally 5 years post BK

Valued Contributor
Posts: 2,114
Registered: ‎05-05-2010
0 Kudos

Re: Secured Credit Cards That Approve With A Bankruptcy?

Alot of credit unions dont pull credit for secured cards. State Department and First Tech are amongst them. They also have great rates and practically no fees.

 

Citibank will approve 2 years post BK

Community Leader
Senior Contributor
Posts: 5,563
Registered: ‎07-12-2012
0 Kudos

Re: Secured Credit Cards That Approve With A Bankruptcy?

If you can get in, NFCU has the secured nRewards card. It even has the possibility of graduating at a year.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
735 EQ FICO 09/2017
744 TU FICO 09/2017
737 EX FICO 09/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $17k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Highlighted
Valued Contributor
Posts: 1,261
Registered: ‎10-21-2013
0 Kudos

Re: Secured Credit Cards That Approve With A Bankruptcy?


sjt wrote:

Alot of credit unions dont pull credit for secured cards. State Department and First Tech are amongst them. They also have great rates and practically no fees.

 

Citibank will approve 2 years post BK


+1. IMHO Credit unions are the way to go, but if you do not qualify for a Credit Union near you, Capital One treats you decently (experience from my mother working past a medical related bankruptcy)

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.