Applying for 2nd credit card?

[Anonymous]

 I have one card since BK discharge, which was 7/7/10.  It is a Cap One with $2000 limit and no annual fee, although interest rate is high, but I pay in full each month.  It has been over 4mo's since that card was approved.  I though I would now apply for a second card to keep rebuilding my credit.  I applied for a Hooters MC yesterday and was told to wait 7-10 days for a response.  The Hooters people called me today and said I was approved for a $300 line, but said the rep said she didn't know what if any the annual fee would be.  I told her that if you cannot tell me that I want to withdraw the application before the credit line or card was even created.  She said ok, it would only affect me as a hard inquiry, but since the card was never sent out, that it would never show up on my credit report.  Now I know I can't be picky with these cards, but I just didn't want some $48 annual fee, with only a $300 card.  My cap one is good enough for now, so I think I will just wait.  Anyone have any suggestions on whether I did the right thing, or if I should apply maybe for either a different card (which one) at this point or a second Cap 1 card.  Any feedback is greatly appreciated!!  This is my 2nd post.  Thanks all!!!

[DI]

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@Anonymous wrote:

 I have one card since BK discharge, which was 7/7/10.  It is a Cap One with $2000 limit and no annual fee, although interest rate is high, but I pay in full each month.  It has been over 4mo's since that card was approved.  I though I would now apply for a second card to keep rebuilding my credit.  I applied for a Hooters MC yesterday and was told to wait 7-10 days for a response.  The Hooters people called me today and said I was approved for a $300 line, but said the rep said she didn't know what if any the annual fee would be.  I told her that if you cannot tell me that I want to withdraw the application before the credit line or card was even created.  She said ok, it would only affect me as a hard inquiry, but since the card was never sent out, that it would never show up on my credit report.  Now I know I can't be picky with these cards, but I just didn't want some $48 annual fee, with only a $300 card.  My cap one is good enough for now, so I think I will just wait.  Anyone have any suggestions on whether I did the right thing, or if I should apply maybe for either a different card (which one) at this point or a second Cap 1 card.  Any feedback is greatly appreciated!!  This is my 2nd post.  Thanks all!!!

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With a BK less than one years old,  feel fortunate to  have a Cap 1 card with a good CL and no AF.  I wouldn't apply for any new cards.  If you do, they all may give you the same low CL like Hooters.   Take care the  Cap One card and you should be ok. 

[Creditaddict]

you must have came through bk with some decent scores... most posts for cap1 are either 300 or 500 limit and some people don't even have bk and get that!

I would wait until your bk is 1 year old before applying for more unless maybe a store card as long as you didn't burn them in your bk

[Anonymous]

Yes, before BK, my credit scores were 770 or higher FICO.  Now I really don't know what they are FICO.  I will probably pay to get my FICO scores soon.  I was surprised too when the wife and I both got $2000 lines with no annual fee.  The interest rate after 9/2011, will be 22.9%, but we dont' carry a balance anyway.  We just charge one utility each on it, and pay it in full each month.  I guess I will wait a year from discharge to see what I can do.  I really want to avoid an annual fee if possible.  Any suggestions out there on applying for a 2nd cap one card later vs applying elsewhere?  Thanks all.