bk and credit card approval

[Anonymous]

Does anyone have an experience on if any major cc will approve you with a score over 650 when you filed bk 3 1/2 yrs ago? seems like they ask whether you filed bk and if so dont apply sometimes.

[Wolf3]

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@Anonymous wrote:

Does anyone have an experience on if any major cc will approve you with a score over 650 when you filed bk 3 1/2 yrs ago? seems like they ask whether you filed bk and if so dont apply sometimes.

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Some banks will, other won't 

Capital One or HSBC (Orchard or Household) are likely to approve, (especially the secured cards).

search for "BK friendly" and you should find more posts 

[Anonymous]

With that score and the BK being so long ago, you have several options. Barclay's iTunes is a definite possibility. Captial One Cash Rewards for average credit also. Possibly GEMB cards too. You're far enough away from your BK you should be able to skip First Premier and Orchard Bank.

[sandman2435]

Check with a credit union..but be ready to show proof of income..credit unions are more BK friendly than some of the banks

[AndySoCal]

If you go to  Capitol One web site they define credit history thye are looking for their cards. From my reading  you would qualify for thier definition of average or rebuilding credit. Read thier definition then see if any of their cards amkes sense for you.

[Anonymous]

I think you can and possibly have a chance for a bank to approve you as well...It also depends which CR they use as well, I filed bankruptcy like 7 years ago, and only till about an year ago was I able to start getting credit cards. The reasons for the decline, was too many inquiries, or CL not high enough on current cards, I honestly think that the top two factors, that are considered is: (1) score (2) inquiries you have on your reports, and of course how many cards you have now with a high CL will help as well.

[Anonymous]

ya ive had orchard bank and capitol one for a few yrs now. just fig since im getting credit my score back up there maybe i can get a better card

[Anonymous]

If you already have Orchard and Cap1, I would go for Barclay's iTunes or a credit union. make sure, however, that your util is below 10% before applying for a new card. Your BK is aging, but a lower util will definitely help the approval process.

[Anonymous]

OP - Anything else holding your score down besides the BK?

[Anonymous]

no shouldnt be. im in 670's and said in simulation tool when i pay off rest of cc balance will be 692-713. I havent heard of the barclays itunes one. ill check it out