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CARDS I WAS APPROVED FOR 2 YEARS POST BK7 DC

SUPERSQUID
Valued Contributor
‎01-24-2022 02:35 AM
‎01-24-2022 02:35 AM

CARDS I WAS APPROVED FOR 2 YEARS POST BK7 DC

I was discharged 12/20/19, here are the cards i got at 2 years post dc

NFCU Cash Rewards 3700 sl at 16.99 no af

Penfed Power Cash Rewards 7.5k sl at 17.99 no af

Comenity rewards mastercard 1k sl , at 26.99 no af

Capital One Savor One 3k sl at 26.99 no af

pretty good cards considering i started my rebuild sept/oct 2020 so i worked my way up to those cards in less than a year and a half of rebuild.

My income is fairly low at 36000, i am retired, my scores are high 600's, my overall util is 24 pct, my dti is 9 pct

{ BK7 DC 12/2019 } target 1300/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 9k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 39k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 100k
Retired since 2017
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10 REPLIES 10
coreyb80
Senior Contributor
‎01-24-2022 07:21 AM
‎01-24-2022 07:21 AM

Re: CARDS I WAS APPROVED FOR 2 YEARS POST BK7 DC

Great work on the approvals and congrats!!

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jayhawk05
Valued Member
‎01-24-2022 12:01 PM
‎01-24-2022 12:01 PM

Re: CARDS I WAS APPROVED FOR 2 YEARS POST BK7 DC

Thanks for the insight! I'm about 8 months post DC, and just signed up for PenFed.

FICO 8 as of 4/27/2023:




Current Cards:

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SUPERSQUID
Valued Contributor
‎01-24-2022 06:50 PM
‎01-24-2022 06:50 PM

Re: CARDS I WAS APPROVED FOR 2 YEARS POST BK7 DC

@jayhawk05 wrote:

Thanks for the insight! I'm about 8 months post DC, and just signed up for PenFed.

Penfed has been bk friendly lately with the Power cash rewards. dont try for pathfinder its still hard to get.

{ BK7 DC 12/2019 } target 1300/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 9k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 39k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 100k
Retired since 2017
Message 4 of 11
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FireMedic1
Community Leader<br> Mega Contributor</br>
Community Leader
Mega Contributor
‎01-25-2022 01:43 AM
‎01-25-2022 01:43 AM

Re: CARDS I WAS APPROVED FOR 2 YEARS POST BK7 DC

Nice haul there @SUPERSQUID . Congrats on some nice cards. I got approved last week @jayhawk05 for the PCW. Though 6 yrs out.



Homeowner Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my recovery after BK from learning here. Started 540's. EX FICO 9 801 as of 05/03/2023. I stayed around to pay it forward for those who helped me back then.
Message 5 of 11
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SUPERSQUID
Valued Contributor
‎01-25-2022 02:20 AM
‎01-25-2022 02:20 AM

Re: CARDS I WAS APPROVED FOR 2 YEARS POST BK7 DC

@FireMedic1 wrote:

Nice haul there @SUPERSQUID . Congrats on some nice cards. I got approved last week @jayhawk05 for the PCW. Though 6 yrs out.

Thanks, it seems penfed has lowered the bar right now by the looks of the increased approvals posted lately on the power cash rewards card. some people less than 1 year post bk.

To those interested, strike while the iron is hot, YMMV

right now they seem to approve the power cash rewards card easier but other of their cards like pathfinder are still tough to get.

{ BK7 DC 12/2019 } target 1300/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 9k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 39k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 100k
Retired since 2017
Message 6 of 11
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Anonymous
Not applicable
‎01-27-2022 01:22 AM
‎01-27-2022 01:22 AM

Re: CARDS I WAS APPROVED FOR 2 YEARS POST BK7 DC

I had chapt 7 discharged on 10/2018, but was just denied for penfed rewards with 695 TU/Equifax score. So disappointed! 😔 

Message 7 of 11
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SUPERSQUID
Valued Contributor
‎01-27-2022 05:05 PM
‎01-27-2022 05:05 PM

Re: CARDS I WAS APPROVED FOR 2 YEARS POST BK7 DC

You are the first person on this forum recently that i have read was denied for the power cash rewards.

The other denial was for the pathfinder.

One person applied and was approved for the gold.

It might have been something in your credit file besides the bk that they didnt like.

{ BK7 DC 12/2019 } target 1300/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 9k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 39k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 100k
Retired since 2017
Message 8 of 11
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chalupaman
Super Contributor
‎01-28-2022 09:29 AM
‎01-28-2022 09:29 AM

Re: CARDS I WAS APPROVED FOR 2 YEARS POST BK7 DC

Pretty great lineup of cards considering the BK. Job well done. Keep us posted on your progress!

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
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Anonymous
Not applicable
‎01-29-2022 01:03 PM
‎01-29-2022 01:03 PM

Re: CARDS I WAS APPROVED FOR 2 YEARS POST BK7 DC

Credit score? 

Message 10 of 11
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