After BK discharge and sometime rebuilding what are the good cards possible to get

[tooleman694]

After BK discharge and sometime rebuilding what are the good cards possible to get?

I am wondering what cards people have gotten after the healing process.

So far I have the Cap1, Discover, Merrick, Credit One, Open Sky, Target and a couple Comenity store cards that I hate.

Looks like Chase, Citi and AMEX are a no goooo till this thing falls off. Any others I should be looking into after I get deep into this rebuilding.

At some point I will want to cancel Credit One and the Open Sky secured and replace with something much better.

[Anonymous]

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@tooleman694 wrote:

After BK discharge and sometime rebuilding what are the good cards possible to get?

I am wondering what cards people have gotten after the healing process.

So far I have the Cap1, Discover, Merrick, Credit One, Open Sky, Target and a couple Comenity store cards that I hate.

Looks like Chase, Citi and AMEX are a no goooo till this thing falls off. Any others I should be looking into after I get deep into this rebuilding.

At some point I will want to cancel Credit One and the Open Sky secured and replace with something much better.

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My best cards by far are with PenFed and NFCU. I have roughly $25k in available credit with each of them.

 I believe you have to be at least 1 year post d/c with a good rebuild underway for unsecured products, though.

[Anonymous]

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@tooleman694 wrote:

After BK discharge and sometime rebuilding what are the good cards possible to get?

I am wondering what cards people have gotten after the healing process.

So far I have the Cap1, Discover, Merrick, Credit One, Open Sky, Target and a couple Comenity store cards that I hate.

Looks like Chase, Citi and AMEX are a no goooo till this thing falls off. Any others I should be looking into after I get deep into this rebuilding.

At some point I will want to cancel Credit One and the Open Sky secured and replace with something much better.

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Did you burn AMEX?  If not they might let you in.  I just got approved for a card and still have a BK listed though it is about to drop off in a few months.

[Anonymous]

If I recall correctly, AMEX is not BK friendly and will want a few years post discharge to approve.

[FireMedic1]

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@tooleman694 wrote:

After BK discharge and sometime rebuilding what are the good cards possible to get?

I am wondering what cards people have gotten after the healing process.

So far I have the Cap1, Discover, Merrick, Credit One, Open Sky, Target and a couple Comenity store cards that I hate.

Looks like Chase, Citi and AMEX are a no goooo till this thing falls off. Any others I should be looking into after I get deep into this rebuilding.

At some point I will want to cancel Credit One and the Open Sky secured and replace with something much better.

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How many are secured? You have looks like more than 7 cards. I'd chill and let them age a while.You only need 3 for best FICO scoring while rebuilding. Slow and steady. Took me 3 yrs to get where I'm at. FICO gets better with time like wine.

[pizza1]

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@Anonymous wrote:

If I recall correctly, AMEX is not BK friendly and will want a few years post discharge to approve.

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They dont want a "few" years. They have a BK policy of 5 yrs + 1 month post filing before they consider it. If you burned them, then you'll be declined unless you pay them back.