Bankruptcy friendly credit cards

[starry1]

Got a six-month auto cli from Navy Federal on my nRewards.  Only up to $1k but its better than nothing.

[starry1]

Amazon store $700 - 7 months post discharge Walmart store $500 - 7 months post discharge Firestone $1.2k - 8 months post discharge

[Scupra]

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@starry1 wrote:
Amazon store $700 - 7 months post discharge Walmart store $500 - 7 months post discharge Firestone $1.2k - 8 months post discharge

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Hey! What the heck, I thought you were sitting tight in the garden right now! Haha, congrats on the approvals! Free TU score for youuuu! I hope your limits grow quickly like all the stories on here! Congrats again!

[pizza1]

I got approved last week for Capital One MasterCard- $1,000 CL! I'm only a 45 days post chapter 7 discharge!!

[starry1]

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@Scupra wrote:

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@starry1 wrote:
Amazon store $700 - 7 months post discharge Walmart store $500 - 7 months post discharge Firestone $1.2k - 8 months post discharge

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Hey! What the heck, I thought you were sitting tight in the garden right now! Haha, congrats on the approvals! Free TU score for youuuu! I hope your limits grow quickly like all the stories on here! Congrats again!

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I was supposed to be, but I've been bad.

[Scupra]

Today was my 12th statement on my secured nfcu card. Trying to stay in the garden until it unsecures, hopefully, on the 13th statement!! All but one inquiry are 1 yr old now

[outrageous]

I had posted on here a while back under a different name, during the sign up for my credit scores I accidentally opened a new account :/  My husband and I were just discharged from Ch7 on 10/01/13.  My Exp score is 658 and I have some open TL thanks to being an AU on my Mom's accounts: BoA $500 US opened 04/2012, Chase $12,500 US opened 09/2003, and Target $5,000 US opened 07/2009. We burned Chase Babies R Us, Express, BoA, and the biggies were mortgage and medical.

My husband has 654 score and I just opened him a Capitol One acct. This is his only TL right now. They gave him instant approval for $300, but I was hoping for more. Any advice on getting them to CLI at the start? Wait for 6 months?

Okay, Now for the questions, PLEASE PLEASE give me advice, I have read these boards (important posts 3-4 times) through my whole process. Should I have my husband apply for one more card now? Maybe something with a more generous limit? He makes good money, so $300 seems shallow. Do I need anymore TL? I was thinking of doing a secured loan through our credit union, but he or I may need a new car soon (both were bought with cash and are pretty old, we've been lucky). Is it better to try the secured loan for SOME installment reporting, or should we hold off in the event that we may need a car loan before that is paid out?  If we do a car loan we would be able to put 30-50% of the loan amount down in a cash payment? Also, is the reporting on for me as an AU as good as having my own CC? If I did open another, would having to many negatively impact me?

Any other advice from the masters?!? I feel like our situation is a little odd and may not fit the exact mold set forth in the discharge to 700 post...

[whitehat2]

You can actually call and they will unsecure it right away for you. They did it for me, anyway.

[mrsjr]

Both of you should try for Barclays.  They are very bk friendly.  But I would not do the secured loan.  Installment loans are not nearly as good for your credit as a revolving card.  

[Scupra]

Mrsjr: a loan will help with credit mixture which does make a difference though. I would recommend the loan for that. If need be pay it off early