No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Coreyb80
Once I became a member ( my dad served), I was later offered to invite other family members. I am not saying it’s guaranteed but maybe a possible in if you have family with a membership. Good luck!!
@Anonymous wrote:Im 100% sure about Penfed. They are score driven, thats it. Auto loans, personal loans and CCs, it doesnt matter if you are in an open 13 as long as your scores are above their thresholds. Im surprised nobody in this thread has "went for it" (applied).
They told me over the phone AT LEAST 650. I even asked for a reconsideration or 2nd look but they said my scores too low (I am CHP 7 by the way, 2016)
Did you get trustee approval?
Got my letter in the mail from Cap One and the only reason for the denial was a non-discharged bankruptcy. I'll try again when I'm done with my 13.
@coreyb80 wrote:Go for the Target card. I love having mine for household products. I actually have to go to Target today.
Hey Corey, thank you for the update. Do you remember what your scores were at the time you were approved? I am 1 year and 3 months into my chp13.
In my last month of BK13. Opened a secured card with NFCU in Oct 17. It graduated in Feb 2018 with a CLI to $2K. Despite decent EQ FICO 9 scores (709) and low util., I could not get a CLI so I stopped trying after Nov 2018. Latest statement cut with a CLI to $3K (current score on NFCU is 704).
@Anonymous wrote:
@coreyb80 wrote:Go for the Target card. I love having mine for household products. I actually have to go to Target today.
Hey Corey, thank you for the update. Do you remember what your scores were at the time you were approved? I am 1 year and 3 months into my chp13.
At the time I believe I was a little north of 600. I just used the card to purchase a Keurig last week. I'm trying to work my way to a CLI since I've heard that boost sometimes after 3 months.
@Yeliaba1 wrote:Coreyb80
Once I became a member ( my dad served), I was later offered to invite other family members. I am not saying it’s guaranteed but maybe a possible in if you have family with a membership. Good luck!!
Thanks for the info. A friend of mine is a member and I was able to obtain membership last night because of him. I'll try for the secured card soon. Don't wanna jump the gun just yet.