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CARDS I WAS APPROVED FOR 2 YEARS POST BK7 DC

SUPERSQUID
Valued Contributor

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 1000/ kohls 2500/ discover 3k / 2nd discover 6k cl/mercury 3350 /ollo 600 / ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 2k/ cap 1 savor one 3100 /comenity rewards mc 1k, Penfed PCR signature visa 7.5k, NFCU >signature visa cash rewards 9700/bread cashback amex 6k

>/ nfcu platinum 3k, BABY NEEDS NEW SHOES !!!!!
Message 1 of 11
10 REPLIES 10
coreyb80
Senior Contributor

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

Great work on the approvals and congrats!!

Message 2 of 11
jayhawk05
Established Member

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 1/16/2022:


Current Cards:


Goal Card:
Message 3 of 11
SUPERSQUID
Valued Contributor

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 1000/ kohls 2500/ discover 3k / 2nd discover 6k cl/mercury 3350 /ollo 600 / ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 2k/ cap 1 savor one 3100 /comenity rewards mc 1k, Penfed PCR signature visa 7.5k, NFCU >signature visa cash rewards 9700/bread cashback amex 6k

>/ nfcu platinum 3k, BABY NEEDS NEW SHOES !!!!!
Message 4 of 11
FireMedic1
Community Leader
Super Contributor

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 since Sept 2020. Sharing my experiences after BK from learning here. Rebuild to recovery from the @ 540's.
Message 5 of 11
SUPERSQUID
Valued Contributor

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 1000/ kohls 2500/ discover 3k / 2nd discover 6k cl/mercury 3350 /ollo 600 / ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 2k/ cap 1 savor one 3100 /comenity rewards mc 1k, Penfed PCR signature visa 7.5k, NFCU >signature visa cash rewards 9700/bread cashback amex 6k

>/ nfcu platinum 3k, BABY NEEDS NEW SHOES !!!!!
Message 6 of 11
LoveAndBusiness
New Visitor

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
SUPERSQUID
Valued Contributor

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 1000/ kohls 2500/ discover 3k / 2nd discover 6k cl/mercury 3350 /ollo 600 / ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 2k/ cap 1 savor one 3100 /comenity rewards mc 1k, Penfed PCR signature visa 7.5k, NFCU >signature visa cash rewards 9700/bread cashback amex 6k

>/ nfcu platinum 3k, BABY NEEDS NEW SHOES !!!!!
Message 8 of 11
chalupaman
Super Contributor

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
Message 9 of 11
Bobnbecky
New Contributor

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

Credit score? 

Message 10 of 11
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