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Anyone with a bankruptcy still reporting been approved for a card with this bank? I have a 4.5yr old bk so I'm cautious about applications, but this looks like a great card to have.
I just looked through their card lineups and I don't see anything spectacular that you couldn't easily find elsewhere with a BK reporting. What do u find appealing with their card offerings?
@pip3man wrote:I just looked through their card lineups and I don't see anything spectacular that you couldn't easily find elsewhere with a BK reporting. What do u find appealing with their card offerings?
If I were a betting individual, the reason is likely what they saw in the Approvals section...high limit FOTM. Much like folks were drawn to the Dover FCU thread.
@CashBackQueen wrote:Anyone with a bankruptcy still reporting been approved for a card with this bank? I have a 4.5yr old bk so I'm cautious about applications, but this looks like a great card to have.
@CashBackQueen I got ya answer for you. I called them and spoke to a loan officer. She stated their lending guideline as it relates to a bankruptcy, is 4-5 years post discharge with positive reestablished history. Hope that answers your question!
Thanks for the DP @pip3man ! Me and my 3-yr-old DC are just going to sit by the sidelines and watch the fun
@pip3man wrote:
@sarux3 wrote:Thanks for the DP @pip3man ! Me and my 3-yr-old DC are just going to sit by the sidelines and watch the fun
@sarux3 lmfaoo you and I both will sit tight on the sidelines with our fresh BKs 😂😂😂. I'm 2 months shy of hitting the 2yrs DC mark so I'm right behind ya lol.
Tragically the same here. Good part is that there ARE some CU's where their policy is much shorter and benefits those rebounding.
@pip3man wrote:I just looked through their card lineups and I don't see anything spectacular that you couldn't easily find elsewhere with a BK reporting. What do u find appealing with their card offerings?
It's a potentially high limit cash back card. Looking back, I thought it was a 2% card but I see that it's not.
@pip3man wrote:
@CashBackQueen wrote:Anyone with a bankruptcy still reporting been approved for a card with this bank? I have a 4.5yr old bk so I'm cautious about applications, but this looks like a great card to have.
@CashBackQueen I got ya answer for you. I called them and spoke to a loan officer. She stated their lending guideline as it relates to a bankruptcy, is 4-5 years post discharge with positive reestablished history. Hope that answers your question!
Thanks. I could possibly be right at their rebuild requirement, but I'm not gonna press my luck. Maybe after a solid 5+ years.