I will try. Thanks
@kieawrote:I just applied for Barclays Apple Visa because I see from the forum it is the easiest card to get approved for. I was denied within seconds with no hard pull (thankfully). They were IIB but the account was charged off about a year before I filed. So I called the backdoor number and the rep asked me if it's okay if he look over my application but it will be an hard pull. I said yes (still haven't gotten a hard pull) he come back after a hold and says they will like to see more credit history after my bankruptcy. I had my Credit 1 account open for 10 months now. As well as 4 other cards haven't missed a payment since my bankruptcy and I have 18% utilization now (next week it will be at 4% after my report updates). He also said I had too many inquiries...I have 13 in the past 12 months on TU (needed a car after bk so I had no choice).
Should I try again next week after my report updates or this a lost cause? I'm hoping for at least a 10 point increase next month since my bankruptcy will be 1 year old.
Good advice given by all... like has been mentioned already, time is your friend in this case. 
I'm actually impressed that it seems the issue was lack of history and too many HPs and not your past charge off. As you found out, they don't forget... I would have thought they would have been more concerned about the CO. (This might be a good sign) 
Of all the lenders I burned, Barclays is the only one I've not been able to get back with (I concede I've not tried recon, I just accepted the auto-denial and no HP as it is). Possibly recon is a way around the black list, even if not for all products maybe at least some.
Thanks for sharing your experience, and let us know how things go in a few months when you try again!
I'm going to try again in September. At that time 3 of my credit cards will be 1 year old...hopefully that will help my profile.
But I think the inquiries is really my problem
I research the forums a little and I noticed that a lot a people have been able to get an denied overturned by calling the backdoor number and that is why I tried. They seem to be okay with bankruptcy as long as you have a strong profile after the CO.
Yes I tried...I didn't get any offers yet. I'm afraid to apply without the offer.
Not trying to rub salt in.. Did you burn Cap One .. thats at least a year post BK... Some banks like to see 2 years post bk....(if you didnt burn them)
Another option is try for something like Disco secured... (Getting a *good* secured is still better than a subprime/predatory card with more fees)
Even with the pulls you might still be able to get something before those fees kick in/kick in again....
When are the fees going to be due?
You really need some time...
-J
