Hey everyone.... Just wanted to let everybody know that I got approved for my first unsecured credit card post chp 7!!!!!!
I'm soooo excited!! My chp7 was discharged on August 19th 2013, so I am only a month and a half post discharge!! So, I have literally been checking the Captial One "pre qualified" site like almost daily, and nothing!!! It would always say " we can't match our records to you, but from the data entered we recommend these "... So tried it tonight , same thing and got same message, but this time I decided to just bite the bullet and apply, and I was instantly approved!!!!! Yay!
Terms: classic platinum- $1,000 CL!!!!!!!!!!!, wow!!!!!
24% apr (doesn't matter, cause I PIF )
$0 AF first year/ $19 after that
So, I'm off to the garden till December 2014, and then will app for a Discover or Barclays
I currently have the following positives reporting on all 3 CRA's:
Commerce Bank- secured Visa, $500 cl (opened 08/2013) reports to all 3 CRA's
Capital One- unsecured MasterCard, $1,000 CL
2 separate Federal School loans , both current!
Before approved tonight for the Cap One MasterCard, my secured Visa was reporting at 2% util!! So happy to be approved just a month and a half post discharge and thankful for another chance!! Off to garden these till next December!!