topic Re: How friendly is the Amazon credit car to post BK? in Bankruptcy

How friendly is the Amazon credit car to post BK?

Anonymous — Wed, 07 Oct 2020 12:04:15 GMT

Hey guys! I am a bit past the ch7 BK 2 year mark and still finding it difficult to obtain any substantial credit. Right out of discharge I applied for three secured cards. Discover IT was amongst them and they rolled the secured card into a traditional unsecured credit card with a $1500 CL after six months. Unfortunately they refuse to offer anything else despite me being good with the card.

last night I decided to thaw my frozen credit and apply to some more cards. The last credit card I applied for was around 1.5 years ago. I tried the pre qualify Apple Card but was declined. I then tried the CHASE Freedom Unlimited card and just got a generic message saying they need more time. My FICO score is between 670 and 725. 725 according to Apple Card and they use the Fico 9 model.

I was considering trying for the Amazon store card, however, I did burn them in my Bankruptcy, so I'm not sure what chance I will have. I also bank with NFCU, to which I obtained a 2.9% apr auto loan 8 months ago. Unfortunately they only prequalified me for their secured card.

I'm really nervous about throwing another hard pull inquiry out there, but, I also feel if I don't try, I'll never get my credit to the point I want it to. Any thoughts or advice on how to proceed?

Re: How friendly is the Amazon credit car to post BK?

raisemysc0re — Wed, 07 Oct 2020 17:31:16 GMT

I think I was about 6 months post DC when I got my Amazon store card. They started off with a low SL of 1K and my scores were right around 670-700. I did not burn them but I do not think Synchrony Bank has a long BK memory and is pretty forgiving.

Re: How friendly is the Amazon credit car to post BK?

Anonymous — Sat, 10 Oct 2020 11:43:23 GMT

Any Chase card will be a no-go for a long time. Included or not, Chase will not approve a card as long as the BK is showing on your reports.

Re: How friendly is the Amazon credit car to post BK?

raisemysc0re — Sat, 10 Oct 2020 15:52:26 GMT

The Visa is a Chase card but the store card is Synchrony and is much more attainable after BK

Re: How friendly is the Amazon credit car to post BK?

blindambition — Sat, 10 Oct 2020 16:06:19 GMT

Chase is not one you want to app with BK showing. Most likely denial while on report. Only if you bank with them and have pre-approval. The 2 years is to early though.

Quite a few have been approved for Amazon Synchrony not long after DC. Might be low limit, but can grow somewhat fast.