No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Thank you Enharu.
I would go with BofA, but I burned them in my BK as well. My main checking account is with them as well. But I don't think I should even risk the inq with them...
Personally, if I were you, I'd wait until utilization was under 9% and go for NFCU. Then I would wait until that reports, then go for Capital One. Keep in mind that they pull all three reports. Then I would wait 6 months and try for Discover Don't try for anyone you have burned as your bankruptcy is too new. Also, note that in most cases, Amex will not consider someone with a bankruptcy until it is at least 8 years old.
I forgot to add that you may want to consider a GE backed card too, like Walmart. The rule of thumb is that you can call and ask for a CLI every 4 months and they are generous with increases. But I would wait until after NFCU on that one too.
Wait until your UT is down and app with NFCU. Skip CapOne. They will certainly approve you but it will be three hard pulls and a $500 credit line that will max out at $750, simply not worth three hards unless you are absolutely desperate for a trade line. You score and overall application will look much much better with <10% vs. 30%, especially with a recent BK.
Regarding my BK. I filled in 10/2011 and it was discharged on 2/2012. So 2/2012 is when my BK started. I get to wait 9 more years!
Wow. Cap one pulls off all three? I think I will skip them and focus on NCFU. I would like another CL and dump Credit One though.
Thanks again to everyone and this forum!