Reply
Frequent Contributor
Posts: 474
Registered: ‎04-09-2012
0

Re: Should I App Spree? Please & Thank You for any advice...

If you are considering Barclays, I would go for that first as they are inquiry sensitive.  You should be fine with Discover.  I've had mine for a year and my bankruptcy was discharged October 2005, so I am just a few months newer than you on that.  Then I would go for Amazon last since that is GE - it will grow with you and it will grow fast.  I would hold off on the Amex.  I spoke to a few different reps and they were all consistant with the bankruptcy being at least 8 years old - you are just shy of that.  But what you could do is wait until these three (if you go for all three) have been reporting for 6 months, then go for Amex.

 

Good luck and keep us posted on what you do!

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Established Member
Posts: 11
Registered: ‎06-17-2013
0

Re: Should I App Spree? Please & Thank You for any advice...

UPDATE:

 

Thanks to all for your advice and help! I thought long and hard about what I really need and want right now, and decided to apply for two of the cards on my wishlist last night: Discover It and Amazon Store card. (Not the Chase version)

 

Got the 5-7 day message on both.

 

Called Discover this morning and made an inquiry about my app. The rep asked me a few verifying questions and told me I was approved under different terms than what I applied for. Basically, instead of the 14 months introductory 0% APR, I am approved for 6 months introductory 0% APR with a CL of 1500. :smileyhappy: I probably could have pushed on the CL, but I was just so happy to be approved! And they didn't even ask about the BK, what a relief! I know the card will grow with me.

 

Called GE backdoor a few minutes ago and was again asked to verify some information. The rep informed me I was instantly approved for 600. I told him I wanted to purchase a laptop using their financing offer, and asked if I could get a higher credit limit. He transferred me to another rep who verified further information (address, etc.) and asked the cost of the laptop (1300), then placed me on hold. She came back and told me the credit line is approved for 1800. :smileyvery-happy:

 

So guys, I'm over the moon! I went from being terrified of new credit, to reading these forums, to getting great advice, to apping for two TLs that I am really going to get great use of. I'll probably app for Barclays in a year or so when I'm ready to buy an iMac, and then a year later, the dreaded bk will fall off my CRs. :smileylol:

 

Thanks Again All!!!


Starting Score: 693 (EQ myFICO), 667 (Credit Karma), 722 (Credit Sesame) as of 6/17/2013
Current Score: 700 (EQ myFICO), 671 (Credit Karma), 722 (Credit Sesame) as of 6/28/2013
Goal Score: 750+

Gardening until 1/1/2014 or later!

VentureOne $5500 // Discover It $1500 // Amazon Store $1800
Community Leader
Senior Contributor
Posts: 27,022
Registered: ‎02-07-2013
0

Re: Should I App Spree? Please & Thank You for any advice...


mondlight wrote:

UPDATE:

 

Thanks to all for your advice and help! I thought long and hard about what I really need and want right now, and decided to apply for two of the cards on my wishlist last night: Discover It and Amazon Store card. (Not the Chase version)

 

Got the 5-7 day message on both.

 

Called Discover this morning and made an inquiry about my app. The rep asked me a few verifying questions and told me I was approved under different terms than what I applied for. Basically, instead of the 14 months introductory 0% APR, I am approved for 6 months introductory 0% APR with a CL of 1500. :smileyhappy: I probably could have pushed on the CL, but I was just so happy to be approved! And they didn't even ask about the BK, what a relief! I know the card will grow with me.

 

Called GE backdoor a few minutes ago and was again asked to verify some information. The rep informed me I was instantly approved for 600. I told him I wanted to purchase a laptop using their financing offer, and asked if I could get a higher credit limit. He transferred me to another rep who verified further information (address, etc.) and asked the cost of the laptop (1300), then placed me on hold. She came back and told me the credit line is approved for 1800. :smileyvery-happy:

 

So guys, I'm over the moon! I went from being terrified of new credit, to reading these forums, to getting great advice, to apping for two TLs that I am really going to get great use of. I'll probably app for Barclays in a year or so when I'm ready to buy an iMac, and then a year later, the dreaded bk will fall off my CRs. :smileylol:

 

Thanks Again All!!!


Congrats time for you to garden

+ Chase ink =




Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Should I App Spree? Please & Thank You for any advice...

Established Member
Posts: 11
Registered: ‎06-17-2013
0

Re: Should I App Spree? Please & Thank You for any advice...

Thank you! Yes, firmly in the garden for a year or so!


Starting Score: 693 (EQ myFICO), 667 (Credit Karma), 722 (Credit Sesame) as of 6/17/2013
Current Score: 700 (EQ myFICO), 671 (Credit Karma), 722 (Credit Sesame) as of 6/28/2013
Goal Score: 750+

Gardening until 1/1/2014 or later!

VentureOne $5500 // Discover It $1500 // Amazon Store $1800
Contributor
Posts: 76
Registered: ‎05-12-2013
0

Re: Should I App Spree? Please & Thank You for any advice...

[ Edited ]

Congrats and welcome to the Discover family!



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 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.

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.