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Have two major credit cards (Cap-1 and HSBC). Zero balances as of this month. Waiting on scores to update (high 600's now) and thinking of applying for another major credit card after that. Wondering if Citi Bank accepts BK's? Other suggestions for credit cards who approve post BK? I noticed BoA application online asks about being "clear of previous BK's", so I figured they will not approve.
@startover03 wrote:Have two major credit cards (Cap-1 and HSBC). Zero balances as of this month. Waiting on scores to update (high 600's now) and thinking of applying for another major credit card after that. Wondering if Citi Bank accepts BK's? Other suggestions for credit cards who approve post BK? I noticed BoA application online asks about being "clear of previous BK's", so I figured they will not approve.
Congratulations! You have two lovely bank CCards post BK - nice work!
A few quick questions: What are your CL's? How old are your current cc's? BK CH7 or CH13? When was BK discharged?
If you're looking for a third card that is BK friendly, you might consider a second HSBC or CapOne. Also Macy's and GEMB cards. BofA is twitchy right now - I would definitely wait on them.
Also, check out BK Friendly Credit Cards Listed (included under Helpful Threads on the top of this forum).
Good work - congrats on rebuilding after BK!
there is a sticky here on all that take BK. I think it's by Bruiser.
off the top I got Cap one, Orchard, HSBC, CCCU,WAMU.
@smallfry wrote:
Citi used to approve with older BK's but I do not know about presently.
Hey smallfry - it looks like someone was quoting you and a plethora of lovely cards. It's an older post - but was all this post BK? WTG! (And *I wanna be like you-ou!*)
@ewingerter wrote:
Ok so I included Juniper Bank in my BK chpt 7 back in 1/07 how long should I wait to see if they will give me another card?
Many moons.
@smallfry wrote:
@ewingerter wrote:
Ok so I included Juniper Bank in my BK chpt 7 back in 1/07 how long should I wait to see if they will give me another card?Many moons.
At LEAST until they send you a written invitation (a pre-approval letter), maybe longer. You might have to hold off pining over the major bank cards and wait until they want you. You know, like pining after the prom queen when you're a spindly little eighth grader. You'll have to build up some maturity and maybe even bulk up a little before she'll give you a second look. And it'll take some time.......
For right now, take out the cards that want to go out with you and enjoy their good company - you'll show that you're a good reliable date and it'll pay off later when you find the girl you want to keep forever.