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trying to get a credit card after filing a chapter 7

Whew
Valued Member

trying to get a credit card after filing a chapter 7

Hi there.  I'm having a challenging time.  My husband and my scores are in the mid 600's but I cannot get a credit card.  Has anyone had a different experience?
 
Thanks
 
Tonya
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SalesLady
Valued Member

Re: trying to get a credit card after filing a chapter 7

Depends how long you have been out of chapter 7.
 
My first card was HSBC-orchard
 
then Capital One
 
Then Hooters.....
 
if you didn't have these included in your chapter 7 start with them if you are at least 3 months post BK.
TransUnion 679 Equifax 665 Experian 688 Fico 09-07-09
Message 2 of 3
raisemyfico800
Established Member

Re: trying to get a credit card after filing a chapter 7

Hi,
I think it depends on your credit before filing. You can try Orchard Bank. They have 2 Great unsecured cards which only have a $59 annual fee. If you calculate that, its only $5 a month or so. A small price to pay for rebuilding credit. They also have secured cards if you dont qualify for the unsecured. Good Luck.

Starting Score: 800
Current Score: 800
Goal Score: 850


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