BK discharged 11/2007.
BK was due to hubby's business failure and the leasing company suing us. Only ONE personal account was supposed to get included in my BK, but Chase proactively closed my perfect account. So did my AA.com card (also perfect).
Experian credit score is 691 as of today.
The only card that didn't close was my Kohl's card (perfect history of 6 years).
We still have the house, 1 car loan, and 1 car lease. All perfect payment history of 5+ years, 4 years, and 1 year respectively.
We have plenty of money in savings, so we don't need a CC for emergency situations. I would like to get one to build up credit.
Given the facts above, should I even try to get a CC or wait until 6 months post-BK or even 1 year post-BK? I don't want a CC with an annual fee or any hidden fees, so I'm willing to wait if needed so I have more options.
TIA!