Regular Contributor
Posts: 140
Registered: ‎02-06-2009

The credit card fairy loved me thru my BK!

Hi everyone..It's been a while since I've posted and I wanted to share my progress... 


I had been faithfully using my FNBO secured card since July 2011, making sure to keep balances low and PIF every month.  After I completed my bk payments, I sent in a $200 dep to increase my limit and they HP'd me for it.  I was livid but they doubled the amount of my dep and added $400 to my limit so it eased the blow a bit.  About a month later, FNBO sent a pre-approval for their unsecured card.  I called in to ask a CSR if they would HP me again, if I returned the unsecured app.  The CSR said yes which made me hesitant to app right away so I decided to sock drawer my app for a bit until I received my bk discharge.   After finally receiving discharge, the reality of being out of "financial prison" for the first time in years scared the crap out of me.  I didn't know which way to go with my new found freedom for fear of making the wrong move. I just kept reading and researching these forums.  I finally decided to app with NFCU for membership and cash rewards CC.  I was approved the same day with a $500 limit.  I was surprised since I've read that they like to see two accounts post BK and I only had the one secured acct.  This gave me just the confidence boost I needed to return my FNBO application.   It seemed like the manual review took forever but I was approved with a $2300 limit!  I couldn't believe it so I just wanted to share this.  Luckily, I did not have to start with the usual Cap1's, Credit1's or FP's.  I'm so happy.  I know the NFCU will grow so I can't complain about that at all.  I am gardening these a bit to try and get a good increase in my scores for a mortgage loan but I just wanted to tell others in my shoes--there is life after BK. :smileywink:


NFCU Cash Rewards $14,000/FNBO Platinum $4,600/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $600/Neiman Marcus $3500

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 :smileyhappy:
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720

Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008

Re: The credit card fairy loved me thru my BK!

Congrats on your progress and approval. The myFICO member fairies are here for you too :smileywink:

$100K in Credit
Last Credit Card App: 11/16/13
Community Leader
Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013

Re: The credit card fairy loved me thru my BK!

Well done keep up the good work

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13

Frequent Contributor
Posts: 443
Registered: ‎12-05-2012

Re: The credit card fairy loved me thru my BK!

Congrats!! The NFCU acct will treat u wonderfully!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012

Re: The credit card fairy loved me thru my BK!

Nice going, Keep up the hard work. :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+