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Hi everyone. I looked a number of cards to apply for post BK. All of which, whether, I liked it or not are going to get burned during the BK process or will get burned.
Citi - burned - can apply 2 years post BK (according to their guildlines)
Discover - burned - I don't know the time line post BK
Cap One - burned - I don't know the time line post BK
BOA - burned - I don't know the time line post BK
Credit One - burned - I don't know the time line post BK - and they suck big time on U/S I can only imagine post BK
WF I never had I don't know the time line. Post BK but I can deposit up to 10K but I would need to open a WF bank account.
These are the banks I found out about. The other lower brand cards just suck a** I am really not interested in them. They have so many fees.
Please advise anyone! I would appreciate it very much so.
@kerinmiami wrote:Hi everyone. I looked a number of cards to apply for post BK. All of which, whether, I liked it or not are going to get burned during the BK process or will get burned.
Citi - burned - can apply 2 years post BK (according to their guildlines)
Discover - burned - I don't know the time line post BK
Cap One - burned - I don't know the time line post BK
BOA - burned - I don't know the time line post BK
Credit One - burned - I don't know the time line post BK - and they suck big time on U/S I can only imagine post BK
WF I never had I don't know the time line. Post BK but I can deposit up to 10K but I would need to open a WF bank account.
These are the banks I found out about. The other lower brand cards just suck a** I am really not interested in them. They have so many fees.
Please advise anyone! I would appreciate it very much so.
Cap one will be the most forgiving and probably shortest time frame
Discover I believe will eventually forgive, just not sure time frame.
Citibank no way in heck 2 years post BK, they have an extremely long memory.
WF they too have a long memory along with BOA.
Credit One shouldn't matter they are ones to avoid when rebuilding
@Jnbmom wrote:
@kerinmiami wrote:Hi everyone. I looked a number of cards to apply for post BK. All of which, whether, I liked it or not are going to get burned during the BK process or will get burned.
Citi - burned - can apply 2 years post BK (according to their guildlines)
Discover - burned - I don't know the time line post BK
Cap One - burned - I don't know the time line post BK
BOA - burned - I don't know the time line post BK
Credit One - burned - I don't know the time line post BK - and they suck big time on U/S I can only imagine post BK
WF I never had I don't know the time line. Post BK but I can deposit up to 10K but I would need to open a WF bank account.
These are the banks I found out about. The other lower brand cards just suck a** I am really not interested in them. They have so many fees.
Please advise anyone! I would appreciate it very much so.
Cap one will be the most forgiving and probably shortest time frame
Discover I believe will eventually forgive, just not sure time frame.
Citibank no way in heck 2 years post BK, they have an extremely long memory.
WF they too have a long memory along with BOA.
Credit One shouldn't matter they are ones to avoid when rebuilding
Thanks.
@kerinmiami wrote:Hi everyone. I looked a number of cards to apply for post BK. All of which, whether, I liked it or not are going to get burned during the BK process or will get burned.
Citi - burned - can apply 2 years post BK (according to their guildlines)
Discover - burned - I don't know the time line post BK
Cap One - burned - I don't know the time line post BK
BOA - burned - I don't know the time line post BK
Credit One - burned - I don't know the time line post BK - and they suck big time on U/S I can only imagine post BK
WF I never had I don't know the time line. Post BK but I can deposit up to 10K but I would need to open a WF bank account.
These are the banks I found out about. The other lower brand cards just suck a** I am really not interested in them. They have so many fees.
Please advise anyone! I would appreciate it very much so.
https://ficoforums.myfico.com/t5/Bankruptcy/Bankruptcy-Friendly-Credit-Cards-Pt-2/td-p/3999737/page/...- Very good information here. Lots of cards and suggestions and a list compiling all the known forgiveness of certain creditors.
I personally obtained CapitalOne a week out of BK 7 discharge. Since then Ive obtained a car loan, bank account, two credit cards and a savings account with them. They are very forgiving and great for rebuild to the big boys.
Dont bother with BofA or Discover. Both I recently apped for and they told me I need 2 years before theyll let me back in. But YMMV.
Good luck!