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Which card should I apply for?

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Valued Contributor

Which card should I apply for?

I applied for Uber and Penfed credit card yesterday. I want to apply for one more. I am looking for Wells Fargo, BOA, or Capital One Savior. I have a BK on file from May 2017. Which one do you think is more BK friendly? 


Filed chapter 7 in May 2017.
Message 1 of 13
12 REPLIES 12
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Community Leader
Mega Contributor

Re: Which card should I apply for?

Cap One

Message 2 of 13
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Valued Contributor

Re: Which card should I apply for?


@AverageJoesCredit wrote:

Cap One


I agree with AJC... knowing you'll take that triple HP.


Message 3 of 13
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Valued Contributor

Re: Which card should I apply for?


@AverageJoesCredit wrote:

Cap One


Capital one is easy to get but Savor is their prime card. You think I got a chance with BK? 


Filed chapter 7 in May 2017.
Message 4 of 13
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Super Contributor

Re: Which card should I apply for?

Savor is probably the easiest on that list. 

Check the prequal and see if it's there. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 5 of 13
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Valued Contributor

Re: Which card should I apply for?


@Saeren wrote:

Savor is probably the easiest on that list. 

Check the prequal and see if it's there. 


I don't prequalify for any product. 


Filed chapter 7 in May 2017.
Message 6 of 13
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Super Contributor

Re: Which card should I apply for?


@AverageJoesCredit wrote:

Cap One


You feeling OK Joe?

Message 7 of 13
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Super Contributor

Re: Which card should I apply for?


@aptiger wrote:

@Saeren wrote:

Savor is probably the easiest on that list. 

Check the prequal and see if it's there. 


I don't prequalify for any product. 


If you don't prequalify, there's a high chance you will be declined. I wouldn't risk it for a triple pull. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 8 of 13
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Valued Contributor

Re: Which card should I apply for?


@Saeren wrote:

... I wouldn't risk it for a triple pull. 

Nor would I. 

 

As someone who is with the three lenders inquired about, I'd rank them : BoA, BoA, Boa, with the other two being a (distant) toss-up. For me, a deciding factor is Cap1 costs 3 HPs to approve (or deny) and tends to bucket. Others might feel differently.

 

 

 

 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (03/3/2020): FICO 08 EXP: 749; TU: 758; EQ: 761
2019 Goal Score: 800 across the board


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Message 9 of 13
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Valued Contributor

Re: Which card should I apply for?

I third that! I'd leave Cap1 alone until you start getting prequals at least. Not worth those HP's.





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