So my 431 meeting was about 4 weeks ago and I just applied for a credit one platinum card and was approved for 300$
But now I'm freaking out a bit because my chapter7 isn't discharged yet.
should I keep the credit one card now to rebuild my credit ? Or cancel it?
It's already done so closing it won't help . But you really should not apply til after discharge, we preach that all the time .
You scores will get a little bump and you will have more choices .
I suggest you read the forums and learn the better way to rebuild .
It's not a great card - they're known to be fee harvesters, but at the outset of a rebuild sometimes that's what's available. You'll find that your scores can start climbing pretty quickly and within a year, maybe even less, you'll qualify for better cards and will be able to get rid of this one.
I got one about 15 years ago when my scores were bad (kind of like now...DC was June 14!)
Not sure if it still works, but I recall after a couple months, I'd call the # & go through the phone prompts & select "limit increase" & they bumped it $100 every time & never a hard pull.
I want to say I'd call every month or two & it worked. Started out like you, at $300 & when I finally closed it, I had something like $2500. After a while, the increases increased too.