Re: Bankruptcy Friendly Credit Cards Pt.2

Anonymous · ‎07-13-2018

Got an Ollo card as well. $2500

Weird thing though. I got notifed that they pulled me on trans union and experian.

JaseT · ‎07-14-2018

BBVA Compass is BK-friendly.

Accepted a mail offer for their ClearPoints Visa. No AF, and you can select categories for your points. I selected 3x travel and 2x utilities. I was thrilled to see that my EX FICO is now at 713, 16 months post-discharge. BBVA Compass supplied the score.

I think I'm set on cards for awhile. Time to garden!

Cap One Quicksilver World Mastercard $11.8k

BK7 Filed 12/16, Discharged 3/17 *** Current Revolving CL Total $122.1k *** PIF/AZEO
6/19 FICO SCORES:

On My Radar Cards: Nothing ATM
Future Goal Cards: US Bank Cash +, Citi Double Cash, Discover It, BoA Cash Rewards, USAA Cashback Rewards Plus Amex

Yeliaba1 · ‎07-15-2018

NFCU will approve you for a secured card during a CH13. Mine was approved in OCT 17 and graduated in MAR18. FNBO will also approve and graduate a secured card during a CH13 and graduate the card.

Anonymous · ‎07-16-2018

Thank you for the update. I might try for NFCU Secured during my Ch13. Seems hit or miss based on previous reports. Yours is the first success story I’ve heard of NFCU Secured while in Ch13.

Anonymous · ‎07-17-2018

@Anonymous wrote:
Thank you for the update. I might try for NFCU Secured during my Ch13. Seems hit or miss based on previous reports. Yours is the first success story I’ve heard of NFCU Secured while in Ch13.

The NFCU credit card underwriting guidelines state that a bankruptcy must be discharged prior to the approval of unsecured credit. It does not differentiate CH7 vs. CH13, though there is general information explaning the differences for the underwriters to learn more about. So with that in mind, I wouldn't be surprised at all to see a majority of CH13 applicants being denied credit card applications -- secured or unsecured.

onstar · ‎07-26-2018

Thanks!

BTW, the website said, "Low Annual Fee" and people on the Ollo thread mentioned that it would be $39. I received the Ollo card last week. It states $0 AF. Also, there are some people getting preapprovals for the Rewards card with $0 AF.

BK DC 4/9/2018
FICO 08 (4/9/2018): EQ 647 EX 609 TU 620
FICO 08 (10/16/2020): EQ 676 EX 659 TU 653

northface28 · ‎08-02-2018

I was approved for US Bank Cash Plus and Citi Double Cash. BK7 discharged in 2011

morgacj2004 · ‎08-03-2018

Yep CITI likes 7 years post BK. US Bank a little more lenient. Exception appears to be CITI cobranded cards such as Sears and Costco

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

Shb80 · ‎08-06-2018

How do you apply for an Ollo card? I can't find their application page anywhere...

BK DC 7/17/2018
Equifax 540 8/6/2018
Transunion 567 8/6/2018
Experian 563 8/6/2018

Anonymous · ‎08-06-2018

Ollie is a by-invitation-only card.

Bankruptcy Friendly Credit Cards Pt.2

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