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Bankruptcy Friendly Credit Cards Pt.2

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New Member

Re: Bankruptcy Friendly Credit Cards Pt.2

How did you apply for the Apple Card? Apple says to open your wallet app, but there’s nothing there about the Apple Card.
Message 1271 of 1,289
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Member

Re: Bankruptcy Friendly Credit Cards Pt.2

I also don't see anything about the apple card in my "wallet" on the phone. I think I read it is only offered to selected people.

 

Our BK chapter 7 was discharged today and I opened an account with CreditOne, $2000 limit. Also FingerHut "fresh start" program with $230 limit, but looking at their prices it doesn't really sound very tempting to actually order anything from them.

 

Planning to open a Military Star Card for rebuilding purposes in a few days as well as considering a secured NFCU card.

 

My wife got a "pre-selected" offer for Capital One and tried to accept it after the discharge but it ended up being declined. I think she got the invitation because she was just an authorized user on the card we burned them with in the bankruptcy, but then they saw it in their system when she applied to accept the offer.

Message 1272 of 1,289
New Member

Re: Bankruptcy Friendly Credit Cards Pt.2

How did you apply for the Apple Card? Apple says to open your wallet app, but there’s nothing there about the Apple Card. Did you receive a invitation from Apple? Thanks.
Message 1273 of 1,289
Valued Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2

I don't think it's BK friendly at all. 

 

SO and I both declined, 700-710 low UTI scores, about 20 months post BK7. Did not burn GS. Denial email listed 

 

Thank you for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because:

  • You have recently been past due
  • You have recently filed for bankruptcy
  • You have recently filed for bankruptcy or experienced another negative public record on the credit file
Message 1274 of 1,289
Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2

I'm at 25 months post discharge BK7, high utilization on all my cards and I applied for the card and got approved for $250.  So it might be a mileage may vary depending on the file.  I was surprised to say the least.

Starting Scores: 470 Experian 510 Equifax 498 Transunion 06/13/17
Current Score: 648 Experian 610 Equifax 610 Transunion 8/03/19
Goal Score: 700+ FICO 8

Discover It Chrome = $1,400; NFCU GO Rewards Visa - $2,000; Dell Preferred Account - $1,500; Merrick Bank - $2,200; Discover It = $1,000; NFCU cashRewards Mastercard - $2,000; Avant Credit Card - $750; Credit One Bank - $700; SDFCU Platinum Visa - $500; Victoria's Secret - $250; NY&Co - $250; Justice Card - $250; Amazon Store Card Credit Builder - $100; Apple Card - $250; Montgomery Ward - $500; PenFed OLOC = $500; Navy FCU CLOC = $2,500
Message 1275 of 1,289
Regular Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2

I filed in 2014, which I’m sure makes a difference.  No late payments since then.  I did receive an invitation.  To the right of the Apple Card is an arrow that will take you through the process like any application.  You will have to enter your ss# and upload a drivers license.  At the end you have the choice to decline or accept.  I declined for now.

Message 1276 of 1,289
Member

Re: Bankruptcy Friendly Credit Cards Pt.2

I applied for the card and got approved for $250.

 

do they even let you into an apple store with that little money? seems a bit disingenuous of them to offer such a tiny limit ... 

Message 1277 of 1,289
Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2

I’m guessing they would think you would use it for Apple services and expect to get an increase down the line. They just want the customer base right now I think
Starting Scores: 470 Experian 510 Equifax 498 Transunion 06/13/17
Current Score: 648 Experian 610 Equifax 610 Transunion 8/03/19
Goal Score: 700+ FICO 8

Discover It Chrome = $1,400; NFCU GO Rewards Visa - $2,000; Dell Preferred Account - $1,500; Merrick Bank - $2,200; Discover It = $1,000; NFCU cashRewards Mastercard - $2,000; Avant Credit Card - $750; Credit One Bank - $700; SDFCU Platinum Visa - $500; Victoria's Secret - $250; NY&Co - $250; Justice Card - $250; Amazon Store Card Credit Builder - $100; Apple Card - $250; Montgomery Ward - $500; PenFed OLOC = $500; Navy FCU CLOC = $2,500
Message 1278 of 1,289
New Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2

Applied for Apple Card on my iPhone and was instantly declined. My TU Fico 8 is 653 and a little over a year past BK 7. At this point I think I'll stay in the garden for about a year than try again. We'll have more feedback from others who tried to app post BK.

Message 1279 of 1,289
Valued Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2

You can go online and request to be put on their list. The card did not initially appear but a week later it was in wallet. I had to unfreeze TU.
FICO 08: EX-698, EQ-732, TU-705 - [8/2/2018]
FICO 09: EX-748, EQ-775, TU-748 (8/2/2018)
Mortgage: EX-737, EQ-712, TU-748 - [8/2/2018]
NFCU NavChk 15K | NFCU Visa 50K | CapOne Venture Visa 50K | CapOne Savor 30K | Barclay Aviator MC 12.5K | Discover It 32K | Alliant 3% Cash Back Visa 25K | Penfed Promise 20.5K | BECU CLOC 10K | DCU Visa 10K | BofA AK Air Visa 5K | Apple (Goldman) MC 6.5K | Amazon Prime 10K.
276.5K Total Revolving.
Alliant Car Loan 17K/31K
BK 7 Filed 8/23/2013 - Discharged 11/27/2013.
Message 1280 of 1,289
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