lilrosy4 wrote:

I received a Cap ONe cash rewards card with a 2000 limit. Our Ch 13 was discharged April 9! I was very surprised.

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Lilrosy4, how soon after your discharge did you app for the card?  I'm planning on app'ing for the same card when I receive my discharge--I'm just curious about the time frame.  Was this the first tradeline you had (or app'd for) after discharge?

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Starting Score: 426 Ch. 13 BK Discharged Nov 2012
Current Score: TU 715 EQ FICO 693 EX 660 all via lender pull 5/9/13
Goal Score: 720

Take the FICO Fitness Challenge

Guess ill post the only one i didnt see. Ch13 discharged 10/09. No lates since. Util around 15% whole time. Dti around 5%. Just got a Discover more approved exactly 36 mos post bk. First time with them.

Sorry failed to mention got approved with 5k limit.

I was approved today for both Discover More and Barclays Apple card. I have a 2 year BK7. I also have a capital one card which I have had for about 13 months.

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Starting Score: 500s
Current Score: EQ: 680myFICO(9/7/12), TU: 689myFICO(9/2/12), EX Plus:682(lp,4/16/12)
Goal Score: 700
Wallet: Discover More 1k, Capital One Platinum 1.5K, Barclays Apple Finance Visa 2.7k.
Take the FICO Fitness Challenge

I filed my BK in 05/2012.

• I was approved for a C1 Secured with $49 down on $200 limit while stll in bankruptcy. I've since increased it to $500 on my own.
• My BK Chpt 7 discharged 08/16/12 and I also was approved $250 for NY and company in 09/2012
•  Lane Bryant $150 09/12.
• The strange thing is NY and Company denied me online and then about 12 days later I got a credit card in the mail.
• Walmart denied me due to BK and HSN also denied me. Before BK score was in low 470s.
• I got approved with C1 Auto Finance for $18,000 car loan for new car on 08/18/12

Since that I have covered all bills 100% on time and in full so trying not to apply for anything before 04/13 to see where score lands

Current Score TU 605 EQ 611 EX 599

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Starting Score: 467
Current Score: 661
Goal Score: 721

Take the FICO Fitness Challenge

Post BK Wallet: Target $10,000 (AU) | Cap One Secured $500 | Cap One Platinum $1000 | NY & Company $250 | Lane Bryant $150 | Victoria's Secret $250 | Capital One Auto Finance (Can't wait to REFI!!!)

Best Buy is definately YMMV.  I was brave enough to app with them just because Cap1 backs their card and i have 2 Cap1 one cards approved and in great standing. I was wrong, Denied across the board for anything of theirs.

I was wondering about department store cards. Can anyone tell me what department store cards they were able to obtain after bk discharge and what your credit score was at the time of obtaining these cards? I would like to have one or two of these cards but I'm afraid to apply since my score is coming up but only very slowly.

I just spoke to GEMB and they explained that they do not look at applications that have a BK for at least 24 months post BK. He said that the system does an automatic decline. So tough to know what to apply for!

Did you apply for both at the same time?

i got approved for my second capital one card 3 weeks ago and the prequalifier despite the fact that i have an auto loan with them and another credit card didnt pull anything for me either. So I just applied for the Classic Platinum and it APPROVED!!! Good luck

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Starting Score: 467
Current Score: 661
Goal Score: 721

Take the FICO Fitness Challenge

Post BK Wallet: Target $10,000 (AU) | Cap One Secured $500 | Cap One Platinum $1000 | NY & Company $250 | Lane Bryant $150 | Victoria's Secret $250 | Capital One Auto Finance (Can't wait to REFI!!!)