cancel
Showing results for 
Search instead for 
Did you mean: 

Post BK cards major players and burns

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Regular Contributor

Post BK cards major players and burns

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.

Message 1 of 5
4 REPLIES 4
Highlighted
Community Leader
Senior Contributor

Re: Post BK cards major players and burns


@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 

EXP 763 TU 793 EQ 734
Message 2 of 5
Highlighted
Regular Contributor

Re: Post BK cards major players and burns


@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.

Message 3 of 5
Highlighted
New Contributor

Re: Post BK cards major players and burns


@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!

BK 7 Discharged 3/2019

CapOne QS ($500) • CapOne MC ($500) • PenFed Shared Loan 1yr 2.05% ($500)
Message 4 of 5
Highlighted
Community Leader
Super Contributor

Re: Post BK cards major players and burns

Citi is 2 yrs post BK for their SECURED card, and 4+ years min post BK for others. Just really depends on several things..I was 6 yrs plus 1 mo post DC when I got the Costco Visa, and they were IIB.

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.