topic Re: Rebuild with Store Cards in Bankruptcy

Rebuild with Store Cards

Anonymous — Thu, 18 Feb 2021 19:16:54 GMT

I had a BK discharged Dec 6, 2019. I app'ed for a lot of cards with little luck, so I have close to 37 inquiries as of 2/18/21.

My current Ficos are EQ- 647 TU-665 EX-676

I currently have

Kays - 3000

Khols - 700

Ulta - 500

J Crew - 250

Express - 250

Victoria - 300

First Premier - 400

2.0 First Premier - 700

Lexus Lease

Personal Loan

I know I have a lot of store cards, but I shop at all of these stores. I pay in full each Month! I think for right now I need to hold off on apps and let my cards grow. I just got very excited when I started seeing approvals. Any other suggestions?!

Re: Rebuild with Store Cards

AllZero — Thu, 18 Feb 2021 19:23:48 GMT

Maybe join some Credit Unions that offer SP membership?

CU's to join for Savings Rate now and possible Credit Products later!

Re: Rebuild with Store Cards

Horseshoez — Sat, 27 Feb 2021 02:41:51 GMT

Apply for a secured credit card from a major bank; most have limits upwards of $5,000, and at least one, Wells Fargo, has a limit of $10,000.