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Bankruptcy Friendly Credit Cards Pt.2

Frequent Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2


@GentMABwrote:

Yeah it is, the irony for me is I also have to rebuild life as a whole not jus my credit so that makes it even more tempting to get some usable credit.  Still need to actually get a bed to sleep in lol


If you want a brand new mattress and frame, you can get one from Mattress Firm (pillows, too). It is not a hard pull and if you pay it off in 90 days, there's no interest. Sears also has a similar leasing plan but the terms did not seem good to me so I went with Mattress Firm. I bought 2 queen matresses last year for about $800 and paid them off in 3 months.

BK7 Discharge 1/16
10/15 ~ EQ: 406; TU: 520
3/18 ~ EX: 666; TU: 646; EQ: 650
Message 991 of 1,013
Valued Member

Re: Bankruptcy Friendly Credit Cards Pt.2

Yeah they use Progressive for their no credit check and thanks to my last abusive relationship, I can't use them right now b/c they were included in my bankruptcy.  

Starting Scores: 470 Experian 510 Equifax 498 Transunion 06/13/17
Current Score: 639 Experian 610 Equifax 634 Transunion 06/14/18
Goal Score: 750+ FICO 8
Barclay's Apple Rewards - $1,500; Credit One Visa - $500.00; Discover It Chrome Secured = $500; Discover It = $500; Victoria Secret's - $250; Navy FCU CLOC = $2,500
Message 992 of 1,013
Frequent Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2


@GentMABwrote:

Yeah they use Progressive for their no credit check and thanks to my last abusive relationship, I can't use them right now b/c they were included in my bankruptcy.  


Oh, okay. Try Sears and check out your local buy here, pay here furniture stores. Also, fb marketplace seems to have sellers that have new matresses for less than retail. Maybe they fell off a truck ? Smiley Very Happy

BK7 Discharge 1/16
10/15 ~ EQ: 406; TU: 520
3/18 ~ EX: 666; TU: 646; EQ: 650
Message 993 of 1,013
New Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2

Thanks Coneyj123 Smiley Happy  I was sooooo happy to be back in and now I cant wait to request a CLI because the limit stinks!  So far I have been horrible about this garden thing... just restarted as a seedling this past weekend (as if I had nothing better to do than apply for a credit card... Smiley Indifferent)  the hit didn't show until today so I'll just use todays date as my new gardening date and head back in.

Discharged Chp7: 1/15
CreditKarmaFako 1/18: TU745 EQ744
FICOSCORE8 8/17: EX640 EQ621 TU642
CardsInWallet: 10 Credit Cards | 14 Store Cards | 100k Club as of 1/22/2018
Opened then Closed ~20 Store cards Jan 2016 totaling ~4k (I know SMH) | Boatload of INQ's | Last HP 03/22/18
**** Focused On The Garden for 24 months (Working towards a mortgage & continuous Free Flowing SP CLI's)****
Message 994 of 1,013
New Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2

Stargazer622: definitley do a recon... not sure if you read the looooong post about my BOA recon experience (super long and frustrating) but it was worth the recon to get back in with them. 

Discharged Chp7: 1/15
CreditKarmaFako 1/18: TU745 EQ744
FICOSCORE8 8/17: EX640 EQ621 TU642
CardsInWallet: 10 Credit Cards | 14 Store Cards | 100k Club as of 1/22/2018
Opened then Closed ~20 Store cards Jan 2016 totaling ~4k (I know SMH) | Boatload of INQ's | Last HP 03/22/18
**** Focused On The Garden for 24 months (Working towards a mortgage & continuous Free Flowing SP CLI's)****
Message 995 of 1,013
Frequent Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2

No go with Overstock's shopping cart trick? I bought a mattress from them and got a year to pay for it. I've had it for over a year now and still LOVE it and a king sized mattress for a little over $500 was too good to pass up. 


CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Feb 2018 EQ 704 TU 687 EX 694
Gardening since 9/7/17 Aiming for a mortgage October 2019
Message 996 of 1,013
Valued Member

Re: Bankruptcy Friendly Credit Cards Pt.2

Hasn't really worked for me, unfortunately....

Starting Scores: 470 Experian 510 Equifax 498 Transunion 06/13/17
Current Score: 639 Experian 610 Equifax 634 Transunion 06/14/18
Goal Score: 750+ FICO 8
Barclay's Apple Rewards - $1,500; Credit One Visa - $500.00; Discover It Chrome Secured = $500; Discover It = $500; Victoria Secret's - $250; Navy FCU CLOC = $2,500
Message 997 of 1,013
Frequent Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2

I know Comenity has/is BK friendly, and up until this month like clockwork I was able to get a CLI every month. However this month it stopped. I got a denial from them stating they weren't increasing my cards due to no mortgage history/payments on my credit, and a BK being listed. I think this is weird cuz for a year and a half no issues, until now. Anyone else had this?

Ch7 BK filed 7/5/16, DC 10/12/16
Message 998 of 1,013
Valued Member

Re: Bankruptcy Friendly Credit Cards Pt.2


@harleygirl1987wrote:

I know Comenity has/is BK friendly, and up until this month like clockwork I was able to get a CLI every month. However this month it stopped. I got a denial from them stating they weren't increasing my cards due to no mortgage history/payments on my credit, and a BK being listed. I think this is weird cuz for a year and a half no issues, until now. Anyone else had this?


If I may ask, at what limit did they start rejecting based on not having a mortgage?  For my overstock, I couldn't get a cli to save my life for the first 6mo then all of a sudden got a CLI from 250 to 1850 about 30 days ago.

03/2017: Fico8 TU: 450ish Eq: 450ish Ex: 450ish BK7 filed
07/2017 bk7-discharged
12/1/2017 Ex8: 652 Eq8: 629 Tu8: 676
2/22/2018 Ex8: 674 Eq8: 641 Tu8: 687
Message 999 of 1,013
Regular Contributor

Re: Bankruptcy Friendly Credit Cards Pt.2

HoneyRock, you must have a true love for BofA. No card is worth that much effort to me, maybe because there are so many other cards out there with as good or better benefits that don’t involve that much hassle. You are a real trooper.

Message 1000 of 1,013