topic Re: Southwest Airlines CC post Bankruptcy in Credit Cards

Southwest Airlines CC post Bankruptcy

cada44 — Sun, 31 Mar 2024 20:31:31 GMT

Hi all,

I'm currently looking to open the Southwest Airlines card as I fly for work and the benefits are inline with what I'm looking for in my next card. I filed CH7 Bankruptcy and had my debts discharged in Decmeber of 2022 and can't really find whether or not Chase will reject me due to a bankruptcy on my record.

I currently have these cards: Brightway Card from OneMain Financial, Savor One from Captial One, Venture One from Capital One, and Quicksilver Card from Capital One.

My currently scores are: Equifax - 701, Transunion - 712, Experian - 712

I never burned Chase in my bankruptcy. The banks I burned were American Express, Citi, and Wells Fargo.

Do I have good odds at getting accepted for the SW Airlines card? I'm open to alternatives also as I want to expand my credit lines and because all of the cards I have are Mastercards.

Thanks!

Re: Southwest Airlines CC post Bankruptcy

House1204 — Sun, 31 Mar 2024 21:20:23 GMT

I think it is too soon for Chase. They usually want reports clean of bankruptcies.

Re: Southwest Airlines CC post Bankruptcy

cada44 — Sun, 31 Mar 2024 22:00:37 GMT

Appreciate the info. Feel like thats the case with many. Would you happen to know anything about the Barclays American Airlines CC requirements? I had the Citi AA card and burned it in my bankruptcy but the Barclays version is comperable but unsure if they too aren't bankruptcy freindly.

Re: Southwest Airlines CC post Bankruptcy

Traveler101 — Sun, 31 Mar 2024 23:58:18 GMT

Barclay's can be bk friendly as long as you did not burn them. Just not exactly sure how far out you have to be. One thing they are great with is recons. I had limited credit out of bk, they approved with a recon..

Re: Southwest Airlines CC post Bankruptcy

cada44 — Mon, 01 Apr 2024 00:23:58 GMT

Recon as in a reconsideration after being reject after the initial application? Appreciate the feedback!

Re: Southwest Airlines CC post Bankruptcy

pizzadude — Tue, 02 Apr 2024 18:58:44 GMT

Check out this thread in the Bankruptcy forum, there are a few reports of people getting approved by Chase with older BKs.

Re: Southwest Airlines CC post Bankruptcy

msml_2020 — Fri, 10 May 2024 02:20:33 GMT

My Chap 7 BK discharged 11/2019. I recently got approved for an Amazon Prime card (underwritten by Chase) with a $900 CL, scores in the mid-600's. Hubby and I also got approved for a loan through Subaru (Chase) in March with a rate of 7% and no money down - not sure if they have similar criteria, but I was pleasantly surprised about this. Finally, I was approved for the Carnival CC (underwritten by Barclay's) with a $4k limit right after.

Re: Southwest Airlines CC post Bankruptcy

Lyle5653 — Sat, 11 May 2024 23:01:52 GMT

You already have the Capital One Trifecta. If you want a good general travel card with a high limit I would work on getting the Penfed Pathfinder once you're two years post BK. Otherwise garden and use your trio setup to improve your CLI, and PC chances. This is just my opinion.