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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
We need to know who you included in your bankruptcy to be able to better advise?
Amex cap one citi discover Best Buy Saks Neiman Nordstrom Kay jewelers and iddeal through commenity
Jasper Mastercard
@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
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.
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
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.
@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! ![]()
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!