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Getting good CCs with COs...

Regular Contributor

Getting good CCs with COs...

I've got 5 charge offs for CCs on my CRs
2 Cap 1 (2004)
2 WAMU (2004)
1 Sears (2005)
All balance 0 - paid settlements
 
I have open 2 CCs
HSBC (open 16 months) cl $400
Orachard (Open 16 months) CL $500
 
Is there much hope for getting good credit cards with this kind of profile?  My scores are all above 650.
Message 1 of 13
12 REPLIES
Established Contributor

Re: Getting good CCs with COs...

amex delta would be a good option.
Message 2 of 13
Regular Contributor

Re: Getting good CCs with COs...

There's a BK in 1998 that falls off in a year.  Does this affect AMEX approval?
Message 3 of 13
Regular Contributor

Re: Getting good CCs with COs...

It shouldn't unless they were included in the BK. 
Message 4 of 13
Regular Contributor

Re: Getting good CCs with COs...

They weren't.
 
Would I apply on the Delta site or AMEX?
Message 5 of 13
Established Contributor

Re: Getting good CCs with COs...

i agree with dazed.
 
I got Amex with the following on my reports.
 
8 derogs, all charged off, all $0 as of August 2006.
no BK though.
 
Score when approved for Amex was 574 with only $500 CL CapOne open.
 
Message 6 of 13
Established Contributor

Re: Getting good CCs with COs...

go to amex site and look for the delta card.
Message 7 of 13
Regular Contributor

Re: Getting good CCs with COs...

Unfortunately I was rejected.
The Sears stopped reporting on 2/06 - transferred to another office
Paid a collections account on 5/06
 
So since these things are less than 24 months old, and I have a bankruptcy I was declined.
 
I guess I'll just have to chill and wait another year.  Score was 651.  Any ideas?
Message 8 of 13
Senior Contributor

Re: Getting good CCs with COs...



Rocket01 wrote:
Unfortunately I was rejected.


For AMEX Delta? If so, go ahead and apply for AMEX Green and AMEX Hilton. You likely won't incur more than 1 INQ per CRA if you apply today. Generally they pull EX, maybe TU as well.
Message 9 of 13
Regular Contributor

Re: Getting good CCs with COs...

Amex and BK = no
unless they change their practice,..i was told by the computer, a sup, and in a letter that they don't accept with bk
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Message 10 of 13