topic Re: After BK discharge and sometime rebuilding what are the good cards possible to get in Bankruptcy

After BK discharge and sometime rebuilding what are the good cards possible to get

tooleman694 — Mon, 13 Aug 2018 22:27:15 GMT

After BK discharge and sometime rebuilding what are the good cards possible to get?

I am wondering what cards people have gotten after the healing process.

So far I have the Cap1, Discover, Merrick, Credit One, Open Sky, Target and a couple Comenity store cards that I hate.

Looks like Chase, Citi and AMEX are a no goooo till this thing falls off. Any others I should be looking into after I get deep into this rebuilding.

At some point I will want to cancel Credit One and the Open Sky secured and replace with something much better.

Re: After BK discharge and sometime rebuilding what are the good cards possible to get

Anonymous — Mon, 13 Aug 2018 22:53:48 GMT

@tooleman694 wrote:
After BK discharge and sometime rebuilding what are the good cards possible to get?
I am wondering what cards people have gotten after the healing process.

So far I have the Cap1, Discover, Merrick, Credit One, Open Sky, Target and a couple Comenity store cards that I hate.

Looks like Chase, Citi and AMEX are a no goooo till this thing falls off. Any others I should be looking into after I get deep into this rebuilding.

At some point I will want to cancel Credit One and the Open Sky secured and replace with something much better.

My best cards by far are with PenFed and NFCU. I have roughly $25k in available credit with each of them.

I believe you have to be at least 1 year post d/c with a good rebuild underway for unsecured products, though.

Re: After BK discharge and sometime rebuilding what are the good cards possible to get

Anonymous — Tue, 14 Aug 2018 12:55:00 GMT

@tooleman694 wrote:
After BK discharge and sometime rebuilding what are the good cards possible to get?
I am wondering what cards people have gotten after the healing process.

So far I have the Cap1, Discover, Merrick, Credit One, Open Sky, Target and a couple Comenity store cards that I hate.

Looks like Chase, Citi and AMEX are a no goooo till this thing falls off. Any others I should be looking into after I get deep into this rebuilding.

At some point I will want to cancel Credit One and the Open Sky secured and replace with something much better.

Did you burn AMEX? If not they might let you in. I just got approved for a card and still have a BK listed though it is about to drop off in a few months.

Re: After BK discharge and sometime rebuilding what are the good cards possible to get

Anonymous — Thu, 16 Aug 2018 08:25:29 GMT

If I recall correctly, AMEX is not BK friendly and will want a few years post discharge to approve.

Re: After BK discharge and sometime rebuilding what are the good cards possible to get

FireMedic1 — Fri, 17 Aug 2018 18:54:47 GMT

@tooleman694 wrote:
After BK discharge and sometime rebuilding what are the good cards possible to get?
I am wondering what cards people have gotten after the healing process.

So far I have the Cap1, Discover, Merrick, Credit One, Open Sky, Target and a couple Comenity store cards that I hate.

Looks like Chase, Citi and AMEX are a no goooo till this thing falls off. Any others I should be looking into after I get deep into this rebuilding.

At some point I will want to cancel Credit One and the Open Sky secured and replace with something much better.

How many are secured? You have looks like more than 7 cards. I'd chill and let them age a while.You only need 3 for best FICO scoring while rebuilding. Slow and steady. Took me 3 yrs to get where I'm at. FICO gets better with time like wine.

Re: After BK discharge and sometime rebuilding what are the good cards possible to get

pizza1 — Tue, 21 Aug 2018 00:59:53 GMT

@Anonymous wrote:
If I recall correctly, AMEX is not BK friendly and will want a few years post discharge to approve.

They dont want a "few" years. They have a BK policy of 5 yrs + 1 month post filing before they consider it. If you burned them, then you'll be declined unless you pay them back.