Just my experience with Chapter 7 here in Texas. I filed last summer (2018) and received my discharge on 10/15/18. I didn't apply for any cards at all until starting in mid spring 2019. No approvals. Did finally get a little Merrick card with a $750 limit, then set up a Self Lender loan for $250 (GREAT SUGGESTION TOO). Did keep trying to get a Cap One card but they kept denying me. Many folks said they wouldn't approve me til 1 year post discharge. Just got approved for a Cap One Quiksilver on 8/15/19 with a $3K limit. Took it! So now have two revolving cards plus the Self Lender loan working for me. Am cleaning up any incorrect info on my three credit reports.
As far as my Chap 7, I burned several cc companies: Discover, Cap One (x2 cards), Sears, Lowes, Barclay, Kohls and Dillards. Most of my cards had no late pays but, per my attorney, I had to include them in the BK 7. I was not given an option to reaffirm them, but I wanted to do so. My reason for filing Chap 7 was I had some folks "after me" for no pays/late pays that I could not catch up on. They had alread filed twice against me in the courts and I just could not afford to do that, so, I made the difficult choice to go the route of Chapter 7.
It has been tough, not going to tell you it wasn't, but I had a really good attorney who held my hand through the entire process. Then, I found this forum. My FICO has helped me TREMENDOUSLY. TREMENDOUSLY. Especially on what to expect post BK discharge. How to find the right credit cards for rebuilding and just a wealth of other information. This forum has been a life saver for me. I definitely see light at the end of the BK tunnel. Stay with these folks. Ask questions. They are eager to help you and most have been in your shoes and understand what you are going through.
GOOD LUCK! You will be fine! I promise!
