Anyone approved for a CitiBank Secured with prior BK?

[shalane85]

I know there are a ton of threads regarding the CitiBank Secured Credit Card. I am wondering how many of you have been approved for this card with a previous BK. I have a Ch 7 and Ch 13 on my record, and I am in the process of rebuilding my bruised credit. My first BK is 4 years old and the second is 2 years old from filed (paid in full Dec 2015). Is it too soon for me to apply or should I give it a shot?

[darwin_wins]

Sorry no help there but just curious on how you managed to get 2 BK in matter of 5 years ?

[shalane85]

The first time I filed I was laid off from job and I defaulted on loans subsequently. The second time I filed for the 13 I did so because my daughter was diagnosed with leukemia, medical bills went through the roof, had to take off from work to get her through chemo, almost lost my home, so I filed to save our house and pay off medical bills and other debts. It is definitely something I am embarrassed to say. I'm not proud of having to file for BK twice, but I had no choice. So now I'm rebuilding. My home is saved, my family is doing well, and my credit is being restored slowly. Thanks for asking though.

[sjt]

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@shalane85 wrote:

I know there are a ton of threads regarding the CitiBank Secured Credit Card. I am wondering how many of you have been approved for this card with a previous BK. I have a Ch 7 and Ch 13 on my record, and I am in the process of rebuilding my bruised credit. My first BK is 4 years old and the second is 2 years old from filed (paid in full Dec 2015). Is it too soon for me to apply or should I give it a shot?

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With Citibank it's 2 year post bk is when you can apply

[CH-7-Mission-Accomplished]

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@shalane85 wrote:
The first time I filed I was laid off from job and I defaulted on loans subsequently. The second time I filed for the 13 I did so because my daughter was diagnosed with leukemia, medical bills went through the roof, had to take off from work to get her through chemo, almost lost my home, so I filed to save our house and pay off medical bills and other debts. It is definitely something I am embarrassed to say. I'm not proud of having to file for BK twice, but I had no choice. So now I'm rebuilding. My home is saved, my family is doing well, and my credit is being restored slowly. Thanks for asking though.

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I applied for the secured card right at two years post discharge.  They declined me citing the bankruptcy as the only reason.

They have a minimum of two years requirement, but that doesn't mean it's automatic.  My scores were very good, no inquiries, etc.  I did have about 100K in credit.  Maybe they didn't like that.

I intend to apply again at the three year mark.

I think they double pulled me too.  I know Experian was one.  I forget who the second pull was with.

[shalane85]

Does this mean 2 years from filing or from discharge? I'm assuming the latter. I've heard of some people being approved with a BK less than 2 years, but I'm sure it's rare.

[sjt]

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@shalane85 wrote:
Does this mean 2 years from filing or from discharge? I'm assuming the latter. I've heard of some people being approved with a BK less than 2 years, but I'm sure it's rare.

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With chp 7 it's discharge date 

[darwin_wins]

No judging you, just curious. Also sorry about your daughters' situation. Hope she is doing better now

[darwin_wins]

What are the 2 requirements?

[shalane85]

No problem Darwin. I'm also wondering about the 2 requirements. My Ch. 7 is 4 years old, but I wonder how do they feel about a Ch. 13. That's more recent, although I paid my debts in full.