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First card out of bankruptcy

Valued Contributor

First card out of bankruptcy

Ch7 discharged 12/2018.....burned Capital One for almost $30K....just been approved for the Platinum card at $500 with the Credit steps. This is my first card since being discharged, would like to apply for one more but don’t wanna push my luck and not sure who else is open to recent BKs. So I’ll just enjoy this one!
Currently awaiting BK discharge ?
Message 1 of 11
10 REPLIES
New Contributor

Re: First card out of bankruptcy

Cap one is pretty forgiving. I burned them also and they gave me the same card and a few months later a QS.  Since your pretty recent bk I would wait a few months and use that card before trying for a second.



Message 2 of 11
Frequent Contributor

Re: First card out of bankruptcy

Congratulations on your approval!

Feb 2019 Current Scores: Experian-638(+2)
TransUnion-626(+14)
Equifax-666(+11)
Goal for 2019: Scores of 675 all across the board.
Gardening until End of 2019

Cap One (PCed to Quicksilver 7/20/18) $500
C1 Quicksilver One $1.6K
DiscoverIt Chrome $1.5K
Walmart Store Card $500

Cards I Want: Amazon Store Card, Paypal 2%, CareCredit, Capital One Savor

Total Utilization: 19%
Baddies: 2 (One falls off in Nov 2019)




Message 3 of 11
Regular Contributor

Re: First card out of bankruptcy

Congratulations mate on your rebuildHeartHeartkudos.gif

 






Starting Score: 745
Current Score: 749
Goal Score: 770


Take the myFICO Fitness Challenge
Message 4 of 11
Valued Contributor

Re: First card out of bankruptcy

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 5 of 11
Valued Contributor

Re: First card out of bankruptcy

Congrats on your approval !!!!

 

 

1-2019 / Fico 8 EX 794 , EQ 801 , TR 802
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 6 of 11
Regular Contributor

Re: First card out of bankruptcy


@icyhot wrote:
Ch7 discharged 12/2018.....burned Capital One for almost $30K....just been approved for the Platinum card at $500 with the Credit steps. This is my first card since being discharged, would like to apply for one more but don’t wanna push my luck and not sure who else is open to recent BKs. So I’ll just enjoy this one!

Congrats!








"Give me liberty, or give me credit!" -PlasticDad

Message 7 of 11
Contributor

Re: First card out of bankruptcy

Congrats on the approval. 30k and they gave a new card that fast. That's awesome.
Message 8 of 11
New Visitor

Re: First card out of bankruptcy

Hi so I discharged in October of 2018 and waited about a month to apply for anything, I started with the Discover IT secured card for 500 and then was approved for Cap One, Capital One was included in my BK. Here is what I have been able to get - I am now gardening so hoping to get my score up higher. I very rarely carry a balance on anything for more then one cycle and have kept my utilization under 10% and my FICO has gone up about 100 points:

 

Pier One -500

Kohls- 500

Saks - 1000

Bergdorf- 1000

Overstock - 500

Helzberg- 2001

Express - 500

Neiman Marcus-750

Lord and Taylor -750

Discover secured- 500

Capital one mastercard -500

 

 

 

Message 9 of 11
Regular Contributor

Re: First card out of bankruptcy


@icyhot wrote:
Ch7 discharged 12/2018.....burned Capital One for almost $30K....just been approved for the Platinum card at $500 with the Credit steps. This is my first card since being discharged, would like to apply for one more but don’t wanna push my luck and not sure who else is open to recent BKs. So I’ll just enjoy this one!

Thats insane. Cap1 loves to forgive. 

 

Congrats on the card!!!










Current

Goal Cards

Message 10 of 11