No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I'd close the card since they are one of the ONLY prime banks that will lend to BK folks, and I mean almost immediately to 6 months post discharge.
I'd then reapply 6 months post discharge. You probably will get the card back then, since your scores will be higher than they are now. But I would advise against having them tied up in your BK. In-fact, I would close it, wait for it to report closed and then file if you can hold off.
@hrguy wrote:I'd close the card since they are one of the ONLY prime banks that will lend to BK folks, and I mean almost immediately to 6 months post discharge.
I'd then reapply 6 months post discharge. You probably will get the card back then, since your scores will be higher than they are now. But I would advise against having them tied up in your BK. In-fact, I would close it, wait for it to report closed and then file if you can hold off.
^^^Sound advice.
Okay, so an update. Three weeks out of my 341 and I got another alert that MyFCIO went to 664 and all of my accounts (6) show IIB or paid in full. I still have my Barclay's card with a 500 CL open and Capital One closed my secured card. I called them and they basically told me to get lost and they would send me my deposit. 521 to 664!