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Life after Ch7 BK - 8 months post discharge

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Contributor

Life after Ch7 BK - 8 months post discharge

Hey guys, last month I posted about NFCU making my $5000 secured card unsecured. This past month has been great!

NFCU product changed my nRewards to the Go Rewards Signature Visa with an increase of $3200. So I started with $5k secured nRewards, now it’s $8.2k unsecured Go Rewards V.S. in 8 months. Then Disco upgraded my card also from secured to unsecured. Discover won’t increase the limit yet, but no biggy!

What I did? Use the cards heavy every month, paid them off in full each. I will be honest, some month balances were still reporting on my report at 50% UTL but the bank had a record of me paying the cards off every month in full.

Just wanted to update for points. NFCU won’t give me a secured car Loan after Bk. But they don’t mind giving me an $8200 unsecured credit card. Lol *shrugs*


Started from the bottom now I'm here. Smiley Happy
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Super Contributor

Re: Life after Ch7 BK - 8 months post discharge

Congrats on the double grads. Things are only going to get better from here on out. You just made in up the hill. Now the other side will get easier on your road to recovery. Way to go!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
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Established Contributor

Re: Life after Ch7 BK - 8 months post discharge

Beautiful story! Thank you for sharing with us! Good Job!





Amex Platinum NSPL || Amex Everyday $10K || Amex BonVoy $16K || Amex HH Surpass $2K || Aviator AA $7.6K || Citi AA $7.2K || Citi Costco $5.5K || NFCU CashReward $26K || Blispay $5K || Discover $12.8K || Paypal Credit $7.6K || VS card $4.1K || Walmart store $8.5K
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Re: Life after Ch7 BK - 8 months post discharge

Congratulations on your rebuild! So much success only 8 months post discharge is great, I hope to have a successful rebuild like you. Smiley Happy Best of luck!





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New Visitor

Re: Life after Ch7 BK - 8 months post discharge

Congratulations !!
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Valued Member

Re: Life after Ch7 BK - 8 months post discharge

Congrats Fx! I actually stumbled upon your reading a post about you getting myjewelerclub and new coast direct. What kind of increase did you see due to both of those? did you keep a balance every month and pay those off or did you let them have 0 utilization? 

 

I just got with navy federal yesterday. What was your profile like to get those high limit cards and what steps did you take?

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