topic Subprime Credit Card Approval After Filing Chapter 7 in Bankruptcy

Subprime Credit Card Approval After Filing Chapter 7

PhoeniKs — Wed, 29 Apr 2026 23:30:11 GMT

Just providing some data points. I was able to get approved for 3 subprime cards after filing for Chapter 7, before my 341 meeting. All are IIB and burned for maximum 1200 each.
Capital One I actually burned them for 2 cards and approved for subprime Savor Cash back card, no AF, 300 SL.

IndigoMC cash back, 9.95 monthly fee, 500SL

Milestone MC cash back, 9.95 monthly fee, $500SL

70k annual salary

Low to mid 500 Fico8 scores

Bankruptcy reporting, not all accounts updated yet, Lates on Discover and Car Loan that were both paid off after Charge off still showing.

Capital One and Concora will definitely work with you. I was denied by Discover, my local credit union, and Mission Lane.

I need to get a car, I was approved for financing 0 down 560/mo. 2024 Nissan Rogue. I want to get a newer car with the amenities I want so I decided to get the 3 credit cards to boost my score before I try for the new car after discharge in July. After that I will garden 2 years before trying for higher limit cards then one more year before I try for a FHA loan.
That's the plan anyways. Thanks to the people that contribute to this forum.

For credit cards I burned NFCU, Cap 1, Credit 1, CashApp, Merrick, Indigo, Destiny, Milestone, Amex in Bankruptcy.

Re: Subprime Credit Card Approval After Filing Chapter 7

Jnbmom — Thu, 30 Apr 2026 01:38:04 GMT

You really should have waited until discharge you would have looked a bit better . Indigo card terrible same with milestone ,

cap one decent but might have gotten higher line after DC.

There are plenty of rebuilding threads to read and follow .

Re: Subprime Credit Card Approval After Filing Chapter 7

pizzadude — Thu, 30 Apr 2026 13:24:23 GMT

Congrats on the approvals - over time having these revolving accounts will help your FICO scores but with your DC still pending it may take additional time.

What terms were you offered for the car loan, interest rates and months ?

Re: Subprime Credit Card Approval After Filing Chapter 7

AndrewF — Mon, 18 May 2026 01:39:22 GMT

Synchrony seemed very bankruptcy friendly and kept giving me huge CL but I went to open a Sam's Mastercard yesterday and they gave me the $1100 CL special.

They said they based the decision on TransUnion and used FICO 8 which was 714.