@Anonymous wrote:
I would say stop applying for anything right now, let a little distance between your application and your bankruptcy, and don't do anything to make matters worse credit wise. Ballpark I'd give it six months to a year then try for a secured card (you COULD try now but if Fingerhut won't take you, I can't think anyone else that would). As long as you didn't burn Capital One or Bank of America in the BK, you could go for one of those options by springtime.
Once you have a little history with those, I would try for a reasonably easy unsecured card (Barclay Rewards), again as long as you didn't burn them, and once you have some good payment history (no lates, PIFs whenever possible) you could get in with them.
My sister burned CapOne last year in her BK and they gave a card not long ago for $3000, then she got another card about a month later for $10,000. Both of them QS, not QS1 cards.
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
