No card options... FRUSTRATED!

[Rambler88]

I have an individual that helped me with my Credit score as 16 months ago it was 488 and now it is 718 and i have two Credit cards from Navy Federal $7500 both, Captial one $750 and$500. I started with Orchard Bank whom Capital owns now and that card is $400. It cost me $600 but 90% of my derogatory credit was removed and in 5 months my score went up alil over 100. If you can or have any Family members with Navy Federal, they are pretty good and laxed in extending credit. even secured..

[fishbjc]

I have not filed bk, but a close friend did.  After one year, she was approved for Target for $200 limit (in store). 

If you're trying the shopping cart trick, make sure you're opted-in.

Open a secured card, let it report for one year, no lates. 

Find someone to add you as an AU, no lates.

Don't app with a company you've burned. 

If you PAY First Premier, maybe they will re-issue your card? 

NFCU is bk friendly...any way you can get in with them? 

[reno55]

Finally got approved for cap one unsecured with $300 CL. Probably best to garden it until after the credit steps cli right?

[Cageym]

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@reno55 wrote:
Finally got approved for cap one unsecured with $300 CL. Probably best to garden it until after the credit steps cli right?

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Probably would be best to garden, you are in full rebuilding mode now and it takes time. And as you noticed can be just a bit frustrating.

[CreditExpressNJ]

how did you end up getting approved ... im curious because im in the same situation my credit isnt bad nor have i files BK but they still wont approve me for what reason is beyond my concern they just say insuffient history which why does my history matter with a secured...

[reno55]

Well once my fraud alerts were taken off I got approved no problem for an unsecured.

AFAIK history matters with secured still as it effects their outlook on whether you will pay or not

[dddewdrop]

     You may want to try for a Walmart card as well. they approved me with similar scores to yours. Good luck.

[fishbjc]

Target will prob approve when bk is about 6 months behind u.

[reno55]

So probably we just focus on perfect payment history on these two for about 6 months or 7 months or so and not apply for ANYTHING until then huh?