AAA - Comenity Bank - Visa Signature - Approval with active chapter 13

[TJHunt]

I have some data points for you,

12 months into a 100% repayment chapter 13. Not discharged yet.

7 months with NFCU (Secured loans and secured credit card), just matured to a unsecured last month 2000 limit.

7 months with the Comenity Toyota "store card" no rewards 1500 limit

6 months with 2 300 limit secured credit cards with USBank

7 months with 1600 mission lane CC, 1100 Ally CC, 1000 Credit One CC

Equifax - 709 Transunion - 695 Experian - 683 -- Fico 8 BankCard Scores

You have been approved for a variable APR of 33.24%.

Your assigned Annual Percentage Rate (APR) is less favorable than those offered to customers with better credit histories. Learn More About Your Assigned APR.

You have been approved for a credit limit of $6,300

I don't ever carry a balance so the APR does not bother me at all. I'm in love with the 5% on Groceries, 3% on gas / electric charging / streaming service / pharmacy / aaa purchases. 1% all others.

Hopefully this can help someone else out in a similar position! Ive been a AAA member for a long time and had applied 4 months ago but was denied.

[keekers]

Congrats.

[JoeRockhead]

Nice SL, congratulations on your approval! 

[NoMoreDebt]

Congrats

[user979797]

Congrats to you on your AAA Visa approval  

[FlaDude]

Congrats on the approval!

[cashorcharge]

That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

Agreed that APR hurts but if you don't carry a balance, you'll be good to go.

Can you cofirm with CB Comenity pulled?

[TJHunt]

They (comenity) pulled only experian at least for the AAA card.

[cashorcharge]

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@TJHunt wrote:

They (comenity) pulled only experian at least for the AAA card.

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Thanks for updating!

[Spotsy]

Congrats on the approval!  Nice SL as well.

but...I was under the impression that in an active Chapter 13, getting new credit was a bit of a hurdle with the Bankruptcy Judge administering your case? Their approval needed too?  I dunno....just curious.