03-14-2013 02:18 PM
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...
03-14-2013 02:26 PM
03-14-2013 02:31 PM
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.
03-14-2013 02:34 PM
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.
03-14-2013 02:38 PM
03-14-2013 02:50 PM
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.
03-14-2013 03:00 PM
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!
03-14-2013 03:02 PM
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!