I've read as much as I can find about it. To me from what I've read, I think at best I'd be border line. I plan to apply once next month when I only have 3 inquiries in the past 6 months instead of 5 on my TU.
- BK discharged 12/16 - Only thing on any report
- Scores right now - 665ish F8. Think they should/hopefully jump a little by the end of the month
- 12% utilization reporting as of now, but once all update it'll be <9%
- 10-18 inquiries depending on the report
- AAoA 1 year
- 1 new account last 6 months (NFCU). 13 in the past 2 years. 10 of which are active and 3 closed by me, in good standing (CreditOne, one of Comenity's store cards that they lied to me over the phone and said the mailer was for the MC (had confusing wording bouncing between store/MC) and a CapitalOne that got combined with another C1 card)
- 7 of the 10 reporting 0 balance (Amazon/OverStock/NFCU)
- 35000ish in credit lines total
Looking at the Ring just for the 0% APR BT to finish paying off what I owe instead of the interest. 
I can't get any where with NFCU. $500 Platinum seems to be it right now. Reached my max limit with them and doesn't seem like it's gonna budge any time soon. Signed up with PenFed the same time I did NFCU and they denied me. Don't remember the reasoning exactly, but from what I read if I even get in with them now, it probably wouldn't be any better than NFCU. Also considering BBVA/Compass and actually use them as my bank too if I can get a decent limit, which is actually what I'd prefer instead of the Ring card.
Just looking for a little input on what you guys think my chances would be, or if I'd have better/same odds with BBVA/Compass possibly? Thanks in advance! 
As you bank with BBVA, you might try asking in your branch if they can do a pre-qual for a card. I know BBVA cards can go up to a 30% APR, which might get you a card out of them, but I wouldn't even think of carrying a balance on that.
I'd suggest gardening for a while and letting some HP's fall off and your scores grow. In the process, you can work on growing your NFCU card to a higher limit.
As far as Barclays, they hate lots of HP's. That one isn't likely where you are right now.
@Anonymous wrote:
@ChargedUp wrote:As you bank with BBVA, you might try asking in your branch if they can do a pre-qual for a card. I know BBVA cards can go up to a 30% APR, which might get you a card out of them, but I wouldn't even think of carrying a balance on that.
I'd suggest gardening for a while and letting some HP's fall off and your scores grow. In the process, you can work on growing your NFCU card to a higher limit.
As far as Barclays, they hate lots of HP's. That one isn't likely where you are right now.Thanks for the response! And yeah, where I'm standing with them. Wasn't sure since I read "6 months" a lot, if they kinda over look the rest and only the last 6 months or what.
I actually don't bank with BBVA/Compass. Was stating if that seemed more likely, I'd go down that avenue and use them as my bank. Guess I could have worded that a little better to make it more clear. And not haven't really come cross much on them on how they may feel towards me.
I'm hoping to try to get 1 more, preferrably with a 0% BT offer and then intend to garden for a gooooood while.
BBVA was sending me offers for their Clearpoints card at least twice a week for almost a year. My scores were in the 690-720 range at the time with 27% utilization and 5 - 8 hp's (thanks to a HP happy car dealership 
) The possibility of that card having a 30% APR was an immediate turn off. Even their lowest APR was 18% IIRC so there was nothing enticing except for the no interest for 12 months, but that can be found on much better cards than the Clear points. As NFCU only gave you $500, it was a borderline approval as they're know for being quite generous with their starting credit lines. Your NFCU card will grow quite nicely in time and responsible use!
Most banks will look at all your HP's, especially on a thin file with a BK that isn't even 2 years old. The HP's don't affect your score as much as they age and ultimately fall off. On a thick and aged file, they matter less and less. Capital One tends not to be as sensitive to HP's, but you likely would get another low limit card, and with them, it is all but impossible to get low limit cards to grow into anything useful.
Getting rid of Credit One was a big step in the right direction! Thumbs up on that. Keeping up good payment history while keeping utilization in check will open up bigger and better things... It's all in good time though.
BTW, welcome to MyFICO!
How bout try the pre-qualification and see where it takes you?
https://online.bbvacompass.com/apply/credit-card-prequal?source=sba&oneTimeToken=SSOls/5v/LlXLNcqyXm...
They have been solid for me. If you get a solid rate and not a range. You have a shot IMO!
They do SP your EX CR. That's what's cool about BBVA. You know your credit limit before you submit the app for a HP.
@Gmood1 wrote:How bout try the pre-qualification and see where it takes you?
https://online.bbvacompass.com/apply/credit-card-prequal?source=sba&oneTimeToken=SSOls/5v/LlXLNcqyXm...
They have been solid for me. If you get a solid rate and not a range. You have a shot IMO!They do SP your EX CR. What's cool about BBVA, you know your credit limit before you submit the app for a HP.
Didn't know that existed, thanks! Lots of their stuff seems to be more or less directed to calling/visiting a branch. With that said, they are available here in AZ and all their cards state so, but when I choose AZ as my state it tells me they aren't available in my state and won't submit. lol