topic Re: What are good card to get after bk recently discharged in Bankruptcy

What are good card to get after bk recently discharged

Anonymous — Fri, 06 Nov 2020 00:33:47 GMT

I currently have a secured card by open sky 200 limit cap one unsecured 1k limit and a secured loan 500.. I want other unsecured cards but don't know what to apply for I was looking into Saks fifth store card and Amazon store card discharge 10/14/20

Re: What are good card to get after bk recently discharged

Anonymous — Fri, 06 Nov 2020 01:18:16 GMT

We need to know who you included in your bankruptcy to be able to better advise?

Re: What are good card to get after bk recently discharged

Anonymous — Fri, 06 Nov 2020 01:34:46 GMT

Amex cap one citi discover Best Buy Saks Neiman Nordstrom Kay jewelers and iddeal through commenity

Re: What are good card to get after bk recently discharged

Anonymous — Fri, 06 Nov 2020 09:23:18 GMT

https://ficoforums.myfico.com/t5/Bankruptcy/Bankruptcy-Friendly-Credit-Cards-Pt-2/td-p/3999737

Re: What are good card to get after bk recently discharged

ballysdad — Fri, 06 Nov 2020 13:11:38 GMT

Jasper Mastercard

Re: What are good card to get after bk recently discharged

angelofmusic86 — Fri, 06 Nov 2020 14:13:47 GMT

@Anonymous wrote:
https://ficoforums.myfico.com/t5/Bankruptcy/Bankruptcy-Friendly-Credit-Cards-Pt-2/td-p/3999737

Thank you for linking this! I've been trying to find it, but couldn't remember exactly what it was called. lol

Re: What are good card to get after bk recently discharged

Anonymous — Fri, 06 Nov 2020 14:51:34 GMT

Lol very welcome. It's a great guideline but just remember it's ONLY a guide and YMMV as every profile is unique. It should serve well though.

Re: What are good card to get after bk recently discharged

Anonymous — Fri, 06 Nov 2020 16:43:59 GMT

Thank you for the link ... I'm still scared to apply I don't know if I should wait or just go for it don't wanna have to many inquiries especially if I'm not approved

Re: What are good card to get after bk recently discharged

Anonymous — Fri, 06 Nov 2020 17:41:39 GMT

Understandable. With a rebuild though, inquiries are part of the process and in the grand scheme they're pretty minor. I agree with applying judiciously though.

It's usually advised to rebuild with a loan and three cards. You don't have to get them all now. I would say you can easily go with what you have for the next six months and manage it well, then start trying prequals for Discover, Kohls, etc. You can try them now too of course, but don't feel like you have to. It's a marathon, not a sprint.

Re: What are good card to get after bk recently discharged

angelofmusic86 — Fri, 06 Nov 2020 19:44:52 GMT

@Anonymous wrote:
Thank you for the link ... I'm still scared to apply I don't know if I should wait or just go for it don't wanna have to many inquiries especially if I'm not approved

You were discharged a week before me and you already are miles ahead of me with the rebuild, so I think you're doing wonderful!

I'm currently waiting for my reports to be fully updated with the few accounts I had to dispute to make sure they reflect their status correctly. I'm hoping by that time that Cap1 will like me again. Good luck with your rebuild going forward!

Re: What are good card to get after bk recently discharged

angelofmusic86 — Fri, 06 Nov 2020 19:46:17 GMT

@Anonymous wrote:
Lol very welcome. It's a great guideline but just remember it's ONLY a guide and YMMV as every profile is unique. It should serve well though.

Oh definitely, but it is a good place to start. I am being overly cautious with all my steps going foward and taking a slow road to rebuild.

Re: What are good card to get after bk recently discharged

Anonymous — Fri, 06 Nov 2020 21:10:38 GMT

I got the open sky like 2 months before discharge to get a jump start I applied for the cap one card 4 days after discharge and did the secured loan the same day .. debating on try for a Saks cards since there with cap one or Amazon because I heard they are easy to get post bk...

@angelofmusic86 wrote:
@Anonymous wrote:
Thank you for the link ... I'm still scared to apply I don't know if I should wait or just go for it don't wanna have to many inquiries especially if I'm not approved
You were discharged a week before me and you already are miles ahead of me with the rebuild, so I think you're doing wonderful!

I'm currently waiting for my reports to be fully updated with the few accounts I had to dispute to make sure they reflect their status correctly. I'm hoping by that time that Cap1 will like me again. Good luck with your rebuild going forward!