I'm about 8 mo. post BK. Last July I got approved for TD banks Secured card and put $500 on it. I used it correctly, pd in full every month but after the seventh statement they didn't Graduate it. So I closed it in Febuary and figured I'd wait for an offer to come thru the app since I bank with them. Well yesterday I checked and there it was, I was "Pre-qualified" for the TD Cash VISA. I figured I couldn't miss.....Bam! Approved!
They pulled EX. 663. I decided I'll wait 6 mo. between applications. I'm hoping to get back with AMEX in November.
@Rocco718 wrote:
I'm about 8 mo. post BK. Last July I got approved for TD banks Secured card and put $500 on it. I used it correctly, pd in full every month but after the seventh statement they didn't Graduate it. So I closed it in Febuary and figured I'd wait for an offer to come thru the app since I bank with them. Well yesterday I checked and there it was, I was "Pre-qualified" for the TD Cash VISA. I figured I couldn't miss.....Bam! Approved!
They pulled EX. 663. I decided I'll wait 6 mo. between applications. I'm hoping to get back with AMEX in November.
@Rocco718 Congrats on the TD! I'm surprised they didn't graduate your secured card. TD Secured was one of my first cards after DC, and it graduated in about 7 months. Granted, this was in 2021, and policies change.
Best of luck with Amex. I got back in with Amex at exactly 61 months post-BK filing.
@Jeffster1 wrote:
Congrats on the TD! I'm surprised they didn't graduate your secured card. TD Secured was one of my first cards after DC, and it graduated in about 7 months. Granted, this was in 2021, and policies change.
Best of luck with Amex. I got back in with Amex at exactly 61 months post-BK filing.
It took 5yrs to get back with AMEX????...wow, what heck was I thinking.😒
RIP: 
