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How long after BK7 before you were approved for a core/legacy bank card by Citi, WF, BofA, or Chase?

NotDavidLindhagen
Contributor

How long after BK7 before you were approved for a core/legacy bank card by Citi, WF, BofA, or Chase?

I read on the forums at least two people were approved by Chase and Citibank at around seven-years post-BK7.

Have you read of others being approved for non-secured bank cards with a BK7 on file?

I am nearing seven years post-BK7 as I try to whatever I can to position myself for approval, such as having a checking/savings account with each of them.

 

I'll wait until I pay off my AMEX pay-over-time balance when five of my HPs fall off my reports.


BK7 DC: 6/2014 (Chase, WF, and BofA were IIB) No late payments or baddies since BK7. Rotating AZEO with ≤1% util on one card.
GOAL: Gardening until January 2022 to see if I'll be eligible for a core/legacy bank card with either Citi, BofA, or Chase.
Amex Platinum & Rose Gold ($6K pay-over-time balance) || Discover $24.5K (≤1%) || Barclays JetBlue Plus $15K (0%) || Capital One Venture $12K (0%) || Apple GS $10K (0%)
TCL: $61.5K [Primary on all lines]
7 HPs as of October 26, 2021:
EQ: 11/29/19
TU: 10/15/19, 8/27/20
EX: 8/26/19, 8/26/19, 9/13/19, 3/18/20


Message 1 of 11
10 REPLIES 10
etex
Established Member

Re: How long after BK7 before you were approved for a core/legacy bank card by Citi, WF, BofA, or Ch


@NotDavidLindhagen wrote:

I read on the forums at least two people were approved by Chase and Citibank at around seven-years post-BK7.

Have you read of others being approved for non-secured bank cards with a BK7 on file?

I am nearing seven years post-BK7 as I try to whatever I can to position myself for approval, such as having a checking/savings account with each of them.

 

I'll wait until I pay off my AMEX pay-over-time balance when five of my HPs fall off my reports.


I applied for the Costco citi anywhere Visa card 3 years post and was immediately approved via Costco's iPad app.  Btw, my first card post bk was cap1 venture a year prior and I had been unemployed for four years. Ymmv

Message 2 of 11
jj10939
Regular Contributor

Re: How long after BK7 before you were approved for a core/legacy bank card by Citi, WF, BofA, or Ch

I received a pop up when logging into my WF checking for the Platinum 3 years post BK7. I've since product changed that to the Rewards Visa which also resulted in an APR reduction. 

 

Citi Costco approved at 4.5 years. Citi is usually 7 years post BK7 for their core cards. 

Chase is 10 years post. BK must be off the report as of about two to three years ago. 

Good luck!

Message 3 of 11
NotDavidLindhagen
Contributor

Re: How long after BK7 before you were approved for a core/legacy bank card by Citi, WF, BofA, or Ch

I guess I can open a checking/savings account with WF and add DD as I did with Chase and BofA even though WF, BofA, and Chase were all IIB. 


BK7 DC: 6/2014 (Chase, WF, and BofA were IIB) No late payments or baddies since BK7. Rotating AZEO with ≤1% util on one card.
GOAL: Gardening until January 2022 to see if I'll be eligible for a core/legacy bank card with either Citi, BofA, or Chase.
Amex Platinum & Rose Gold ($6K pay-over-time balance) || Discover $24.5K (≤1%) || Barclays JetBlue Plus $15K (0%) || Capital One Venture $12K (0%) || Apple GS $10K (0%)
TCL: $61.5K [Primary on all lines]
7 HPs as of October 26, 2021:
EQ: 11/29/19
TU: 10/15/19, 8/27/20
EX: 8/26/19, 8/26/19, 9/13/19, 3/18/20


Message 4 of 11
Hex
Established Contributor

Re: How long after BK7 before you were approved for a core/legacy bank card by Citi, WF, BofA, or Ch

I got a Propel card a little more than 3 years post BK 7. I didn't/don't have any other accounts with WF. I have read about people getting declined for credit cards from them because they had deposit accounts with them but their balances weren't high enough. So if you open a deposit account with them you might want to keep that in mind. 

Message 5 of 11
Hex
Established Contributor

Re: How long after BK7 before you were approved for a core/legacy bank card by Citi, WF, BofA, or Ch

I should add that I never burned WF. 

Message 6 of 11
DoogieBall
Regular Contributor

Re: How long after BK7 before you were approved for a core/legacy bank card by Citi, WF, BofA, or Ch

Citi was IIB, so spproved for Costco Business right at the 10 year mark post BK7

BofA denied 8 years post BK7.  Reason was BK

Chase: I'm waiting for the end of April to apply since BK is off reports for a solid 2 months.  Also will put me at 2/24 by that point.



R.I.P Cards








Message 7 of 11
cem13
Established Contributor

Re: How long after BK7 before you were approved for a core/legacy bank card by Citi, WF, BofA, or Ch

My BK7 was 8 years when I was approved for the Citi DC @ $9000SL.  I was surprised at the high limit although I have 2x $25K with Navy and 1x $25K with my home CU.

F'08 DEC19: EQ709, EX697, TU720; Clean since BK7 D/C 6/2011
Message 8 of 11
pizza1
Community Leader
Super Contributor

Re: How long after BK7 before you were approved for a core/legacy bank card by Citi, WF, BofA, or Ch

Chase you won't be approved for until your BK is off reports completely. This has been their policy now for at least 4 years. If they were burned in your BK, then its a 50/50 chance of approval. If denied when you apply, call into UW and ask for reconsideration.

I was one of the lucky ones who got approved back in 2017 (3.6 yrs post DC), before their new policy went into effect. Got the Amazon Visa $3k SL, on my 3rd reconsideration attempt. I got drilled by the UW, but ultimately worth it. Chase was IIB for me. But, denied for CLI since then, and I quit trying too. Ill try when BK is off reports. But I wouldn't waste a HP with them now until your BK is off all your reports.

Citibank...Its really a toss up. I was approved on the Citi legacy side 6 years post BK DC with the Costco Visa. Citi doesnt like any new accounts or INQ for the prior 6 months of the application. But YMMV

BOFA is also a toss up, and like everything else in credit, its YMMV. I was approved for the Cash MC SL $800 in 2018 on recon, and have been denied CLI since then. BOFA was not IIB. I have no banking relationship with them either.

WF...eh..Im not a fan of them, so I can't say really.

 

There's lots of success stories post BK DC with these lenders, but theres more to take into consideration...scores, overall utilization, history, etccc.


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 9 of 11
padme
Established Contributor

Re: How long after BK7 before you were approved for a core/legacy bank card by Citi, WF, BofA, or Ch

i had a best buy citi card and a HD depot store card after a few years.. many say u can get a costco, maybe a wmt or amazon now im not sure about those.. wayfair has a citi one now too, then theres an apple phone card

Message 10 of 11
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