Reply
New Visitor
Posts: 2
Registered: ‎11-05-2009
0

Will BoA, Chase, Wamu, or Citi Card ever relend after Bankruptcy?? I need your advice. Thanks.

[ Edited ]
Please let me know what you all think. If you have actual facts from experience it would be more helpful.
Message Edited by CreditCardMaster on 11-05-2009 11:22 AM
Moderator Emerita
Posts: 3,091
Registered: ‎08-09-2008
0

Re: Will BoA, Chase, Wamu, or Citi Card ever relend after Bankruptcy?? I need advise. Thanks, Josh

Welcome to the FICO Forums! I noticed you seem to be having some trouble posting. It is possible to edit your own post when you've posted an incomplete message. To edit your post, go to the post. To the right you'll see "Options." Click on "Options" and select "Edit Message" from the drop-down menu.  If you have accidentally posted a duplicate message, you can use the “Report Abuse to a Moderator” link to asking the moderation team to remove one for you. To find this link, go to the duplicate post, click on "Options," then select "Report Abuse to a Moderator" from the drop-down menu. If you need any help with anything, let me know.  Thanks for your contribution to the FICO Forums!

-------------------------------------------


Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Will BoA, Chase, Wamu, or Citi Card ever relend after Bankruptcy?? I need advise. Thanks, Josh

I don't know the answer, but seems like there are some post-BK success stories with these cards in here. If you search around via the search feature, you may be able to find some recent successes. Seems also like there's a post BK-CC approval thread in here somewhere. Also, scratch WaMu off you list as they are no longer around.

 

 

Frequent Contributor
Posts: 401
Registered: ‎02-23-2009
0

Re: Will BoA, Chase, Wamu, or Citi Card ever relend after Bankruptcy?? I need your advice. Thanks.

Yes I do know the answer, and all of them say YES they do relend/offer credit for those who file for BK but the BK has to be removed off the credit report.

That's they rule and there are no exception unless you plead for them...

Citi told me: not approved if BK on credit report

Chase: say the same

Wells Fargo: say the same

BoA: they may work with you but more likely NO too

 

 

Established Contributor
Posts: 586
Registered: ‎03-12-2008
0

Re: Will BoA, Chase, Wamu, or Citi Card ever relend after Bankruptcy?? I need your advice. Thanks.

Chase gave me a credit card of a I had a Chargeoff with them.  I applied right after I it fell off my credit report.  They still had a record of it because when I called to check the status of the App they questioned me on it.  I was shocked when they gave me a 3K CL when I had a chargeoff with them for $2,000 years ago, especially since I hide from all of their letters and phone calls.  Hint the reason they gave up and chargeoffed the account. I was young and dumb back then.

 

Been with them for over 18 months and everything is smooth with them. 

As of 04/23/2011 - 731 for EQ FICO
As of 03/02/2012 - 779 for TU FICO
As of 12/2010 - 720 - 729 For EX (Chase FICO Score Provided by EX)

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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.