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What are good card to get after bk recently discharged

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Anonymous
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What are good card to get after bk recently discharged

I currently have a secured card by open sky 200 limit cap one unsecured 1k limit and a secured loan 500.. I want other unsecured  cards but don't know what to apply for I was looking into Saks fifth store card and Amazon store card discharge 10/14/20

Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: What are good card to get after bk recently discharged

We need to know who you included in your bankruptcy to be able to better advise?

Message 2 of 12
Anonymous
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Re: What are good card to get after bk recently discharged

Amex cap one citi discover Best Buy Saks Neiman Nordstrom Kay jewelers and iddeal through commenity

Message 3 of 12
Anonymous
Not applicable

Re: What are good card to get after bk recently discharged

Message 4 of 12
ballysdad
Regular Contributor

Re: What are good card to get after bk recently discharged

Jasper Mastercard

Message 5 of 12
angelofmusic86
Frequent Contributor

Re: What are good card to get after bk recently discharged


@Anonymous wrote:

https://ficoforums.myfico.com/t5/Bankruptcy/Bankruptcy-Friendly-Credit-Cards-Pt-2/td-p/3999737


Thank you for linking this!  I've been trying to find it, but couldn't remember exactly what it was called. lol

CH7 Filed 05.01.2020; Discharged 10.21.2020

10.22.2020 FICO8 Scores: EQ 615 TU 560 EX 581
06.28.2023 FICO8 Scores: EQ 663 TU 663 EX 661

Rebuild progress: CapitalOne Kohl's Visa $3,000; CapitalOne Quicksilver$0AF $9,600; CreditOne Rewards $700; CapitalOne Venture$0AF $6,000; PenFed PCR $9,600; Kemba Signature Visa $5,000; CreditOne$0AF AMEX $1,500; Target RedCard $500; Wells Fargo Autograph $1,500; Comenity Ultamate Rewards MC $4,900; CapitalOne Savor One $500; Amazon Store Card $5,000; Synchrony TJ Maxx Mastercard $5,000; Well's Fargo Reflect Visa $3,500; Citi AAdvantage MC $5,000
Gardening until absolutely necessary.
Message 6 of 12
Anonymous
Not applicable

Re: What are good card to get after bk recently discharged

Lol very welcome. It's a great guideline but just remember it's ONLY a guide and YMMV as every profile is unique. It should serve well though.

Message 7 of 12
Anonymous
Not applicable

Re: What are good card to get after bk recently discharged

Thank you for the link ... I'm still scared to apply I don't know if I should wait or just go for it don't wanna have to many inquiries especially if I'm not approved 

Message 8 of 12
Anonymous
Not applicable

Re: What are good card to get after bk recently discharged

Understandable. With a rebuild though, inquiries are part of the process and in the grand scheme they're pretty minor. I agree with applying judiciously though. 

 

It's usually advised to rebuild with a loan and three cards. You don't have to get them all now. I would say you can easily go with what you have for the next six months and manage it well, then start trying prequals for Discover, Kohls, etc. You can try them now too of course, but don't feel like you have to. It's a marathon, not a sprint.

Message 9 of 12
angelofmusic86
Frequent Contributor

Re: What are good card to get after bk recently discharged


@Anonymous wrote:

Thank you for the link ... I'm still scared to apply I don't know if I should wait or just go for it don't wanna have to many inquiries especially if I'm not approved 


 You were discharged a week before me and you already are miles ahead of me with the rebuild, so I think you're doing wonderful! Smiley Happy

 

I'm currently waiting for my reports to be fully updated with the few accounts I had to dispute to make sure they reflect their status correctly.  I'm hoping by that time that Cap1 will like me again.  Good luck with your rebuild going forward!

CH7 Filed 05.01.2020; Discharged 10.21.2020

10.22.2020 FICO8 Scores: EQ 615 TU 560 EX 581
06.28.2023 FICO8 Scores: EQ 663 TU 663 EX 661

Rebuild progress: CapitalOne Kohl's Visa $3,000; CapitalOne Quicksilver$0AF $9,600; CreditOne Rewards $700; CapitalOne Venture$0AF $6,000; PenFed PCR $9,600; Kemba Signature Visa $5,000; CreditOne$0AF AMEX $1,500; Target RedCard $500; Wells Fargo Autograph $1,500; Comenity Ultamate Rewards MC $4,900; CapitalOne Savor One $500; Amazon Store Card $5,000; Synchrony TJ Maxx Mastercard $5,000; Well's Fargo Reflect Visa $3,500; Citi AAdvantage MC $5,000
Gardening until absolutely necessary.
Message 10 of 12
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