topic Re: Chapter 13 Discharged 8/29 Credit Card ...um..Journey? in Bankruptcy

Chapter 13 Discharged 8/29 Credit Card ...um..Journey?

mejori — Sat, 06 Sep 2025 16:21:02 GMT

My bankruptcy was discharged recently and i want to start rebuilding my credit.

I filed in 2020 and about a year in I reached out to my attorney for permission to get a secured credit card and they approved it.

i started with a $200 limit. About 6 months later they raised it to $2000. In 2024 they raised it to $6000 and then to $8000 in July 2025 just before the discharge.

Now time to rebuild. I decided immediatley to apply for a couple of cards "strategically".

First Applied for Capitol One savor 9/4/2025 Approval /denial pending.

I applied for Ally MC since it had the Credit Karma "Guarantee" and was approved for a $1,000 limit.

Today Tried for Sams Club MC and was approved for $2500.

This is all I am doing for now. Just wanted to post my experience so far.

I only applied since they are soft pulls.

UPDATE Approval

mejori — Mon, 08 Sep 2025 18:13:55 GMT

Capito One Savor approved for $5,000

@mejori wrote:
My bankruptcy was discharged recently and i want to start rebuilding my credit.
I filed in 2020 and about a year in I reached out to my attorney for permission to get a secured credit card and they approved it.
i started with a $200 limit. About 6 months later they raised it to $2000. In 2024 they raised it to $6000 and then to $8000 in July 2025 just before the discharge.
Now time to rebuild. I decided immediatley to apply for a couple of cards "strategically".
First Applied for Capitol One savor 9/4/2025 Approval /denial pending.
I applied for Ally MC since it had the Credit Karma "Guarantee" and was approved for a $1,000 limit.
Today Tried for Sams Club MC and was approved for $2500.
This is all I am doing for now. Just wanted to post my experience so far.
I only applied since they are soft pulls.

Re: UPDATE Approval

coreyb80 — Mon, 08 Sep 2025 20:27:49 GMT

Congrats on the approvals! The softs will turn in to hard pulls, usually the case. Great work!!

Re: Chapter 13 Discharged 8/29 Credit Card ...um..Journey?

SUPERSQUID — Tue, 16 Sep 2025 16:58:58 GMT

@mejori wrote:
My bankruptcy was discharged recently and i want to start rebuilding my credit.
I filed in 2020 and about a year in I reached out to my attorney for permission to get a secured credit card and they approved it.
i started with a $200 limit. About 6 months later they raised it to $2000. In 2024 they raised it to $6000 and then to $8000 in July 2025 just before the discharge.
Now time to rebuild. I decided immediatley to apply for a couple of cards "strategically".
First Applied for Capitol One savor 9/4/2025 Approval /denial pending.
I applied for Ally MC since it had the Credit Karma "Guarantee" and was approved for a $1,000 limit.
Today Tried for Sams Club MC and was approved for $2500.
This is all I am doing for now. Just wanted to post my experience so far.
I only applied since they are soft pulls.

Congrats!

What brand was the secured card you first got?

Re: Chapter 13 Discharged 8/29 Credit Card ...um..Journey?

mejori — Tue, 16 Sep 2025 17:36:56 GMT

Thank you!

@SUPERSQUID wrote:
@mejori wrote:
My bankruptcy was discharged recently and i want to start rebuilding my credit.
I filed in 2020 and about a year in I reached out to my attorney for permission to get a secured credit card and they approved it.
i started with a $200 limit. About 6 months later they raised it to $2000. In 2024 they raised it to $6000 and then to $8000 in July 2025 just before the discharge.
Now time to rebuild. I decided immediatley to apply for a couple of cards "strategically".
First Applied for Capitol One savor 9/4/2025 Approval /denial pending.
I applied for Ally MC since it had the Credit Karma "Guarantee" and was approved for a $1,000 limit.
Today Tried for Sams Club MC and was approved for $2500.
This is all I am doing for now. Just wanted to post my experience so far.
I only applied since they are soft pulls.

Congrats!
What brand was the secured card you first got?

Navy federal green rewards card was the secured card.

Re: Chapter 13 Discharged 8/29 Credit Card ...um..Journey?

mejori — Sat, 14 Feb 2026 13:06:38 GMT

UPDATE!

Was approved for a line of credit through Wells Fargo: $32,000 (Glass company for hurricane impact windows)

Navy Federal Has bumped me from $8,000 to $14,000

I really thought this Bankruptcy was going to make it a pain for me to get credit.

There are things I did not know that would have made it even easier for me but I am happy that I am not "struggling" to obtain credit.

Just sharing!!!

Re: Chapter 13 Discharged 8/29 Credit Card ...um..Journey?

djsd22 — Sun, 15 Feb 2026 19:40:29 GMT

Congrats! NFCU seems amazing!

I think NFCU secrued card starts at 1% then they bump you up to 1.5% once it graduates(cash rewards)?

It says credit limits over $5k get 2% cashback(cash rewards plus), did you get bumped to 2% CB eventually or is it still at 1.5%?

I am trying to plan with NFCU, would love a flat 2% card post graduation

Re: Chapter 13 Discharged 8/29 Credit Card ...um..Journey?

Lurker22 — Thu, 19 Feb 2026 23:58:07 GMT

@djsd22 wrote:
Congrats! NFCU seems amazing!

I think NFCU secrued card starts at 1% then they bump you up to 1.5% once it graduates(cash rewards)?
It says credit limits over $5k get 2% cashback(cash rewards plus), did you get bumped to 2% CB eventually or is it still at 1.5%?

I am trying to plan with NFCU, would love a flat 2% card post graduation

yes upon graduation you're changed to a Cash Rewards card, if the limit is below $5K you're earning 1.5% - I went through from secured to now earning 2% - the secured changes were all automatic, after graduation I waited 6 months then requested a CLI which was granted

Re: Chapter 13 Discharged 8/29 Credit Card ...um..Journey?

SiniSSter — Wed, 18 Mar 2026 17:23:19 GMT

Tell us your secret lol, I'm similar to you bk13 started in 06/2020 and discharged on 06/2025, my largest card is 2k and i have a navy fed cashrewards secured card for 1k thats about a year in that still hasn't graduated. I'm over 700 on all bureaus with a 5% utilization.

Re: Chapter 13 Discharged 8/29 Credit Card ...um..Journey?

mejori — Wed, 18 Mar 2026 17:56:16 GMT

sorry, i never really paid attention to the rewards %

Re: Chapter 13 Discharged 8/29 Credit Card ...um..Journey?

mejori — Wed, 18 Mar 2026 18:03:56 GMT

@SiniSSter wrote:
Tell us your secret lol, I'm similar to you bk13 started in 06/2020 and discharged on 06/2025, my largest card is 2k and i have a navy fed cashrewards secured card for 1k thats about a year in that still hasn't graduated. I'm over 700 on all bureaus with a 5% utilization.

I wish I knew, credit is so strange.

Cap one also just raised my limit from 5k to 10k.

My scores hover in the high 600's right now. Just prior to discharge my scores where at 700-710.

Navy Fedral apporved my for an auto loan just after discharge (October) but I did not purchase at the time.

I applied again in February for an auto loan and was declined by NF but Capitol one and Chase both approved me.

I went with Chase since the interest was slightly lower. 10%(ouch) but it only a 22k loan so I plan to pay it off in 1 year.

Re: Chapter 13 Discharged 8/29 Credit Card ...um..Journey?

mejori — Mon, 23 Mar 2026 14:15:24 GMT

Okay,

So with all the mess going on right now and gas prices are going up to dam high, I decided to apply for the BJs Capitol One+ card to save ~.15¢/Gallon.

Approved!! $8k Limit WOOT!