cancel
Showing results for 
Search instead for 
Did you mean: 

First card out of bankruptcy

tag
FinStar
Moderator Emeritus

Re: First card out of bankruptcy

Congratulations on the approval OP and a good step toward rebuilding.
Message 11 of 15
Anonymous
Not applicable

Re: First card out of bankruptcy

If you don't mind, what was your EQ score when you applied for Neiman Marcus and how soon after D/C when you applied and apparently approved? Smiley Happy

Message 12 of 15
JaseT
Established Contributor

Re: First card out of bankruptcy


@Anonymous wrote:

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

 

 

 


Just a bit of friendly advice - don't obtain any more store cards!


BK7 Filed 12/16, Discharged 3/17 *** Current Revolving CL Total $122.1k *** PIF/AZEO
6/19 FICO SCORES:
On My Radar Cards: Nothing ATM
Future Goal Cards: US Bank Cash +, Citi Double Cash, Discover It, BoA Cash Rewards, USAA Cashback Rewards Plus Amex
Message 13 of 15
Anonymous
Not applicable

Re: First card out of bankruptcy

Congratulations on the approval. Cap One was helpful in the initial stages of my rebuild.. straight to the sock drawer for me now but helpful when nobody else would give me credit!! Congrats!

Message 14 of 15
Anonymous
Not applicable

Re: First card out of bankruptcy

Congratulations on your new card and BK discharge! I agree with others here to wait some time before applying again. Best of luck to you!
Message 15 of 15
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.