I just wanted to share my experience post bk for anyone else who is in the same situation. For the CLOC - I was initally approved for a $500 CLOC in April. Yesterday I requested a CLI to $5000 (reading that they usually counter with something lower if not approved for full amount) It went to the 2 hour review, but then a little while later got the email that it was denied. womp womp. I will update with the reason why whenever I get the letter. I haven't gotten any alerts yet about a HP but I'm sure it will come eventually.
Update: I got the alert now and they pulled EQ.
Last month I tried to get a 2nd card. My first had started out secured and opened in March. 2nd card was denied, the reason was bankruptcy. Tried for a recon via secure message but that was a no go. Then I had called earlier this month also and asked them to check if I was pre-qualified (just in case there might be a difference in the new month) but I had no offers.
I am thinking I have already milked NFCU for whatever they are willing to give me for now. I was hoping to get one more card by the end of this month, because I am planning to buy a house at the end of next year so don't want any new accounts after this. But it's not looking good (capital one has no offers still even after a year post bk- also Discover has no offers on a 2nd card and won't unsecure me). I think I will have to settle with what I've got til 2021.
