Someone was recently asking about CC companies policies toward BK. Here is my personal experience. I had a BK-business related in 2012. Only included a couple of accts that were non mortgage related. My first CC was with credit one - unsecured. I since cancelled not wanting to pay the AF. My FICO is now avg of 700 3 bureaus. Cap One, Barclays, Discover, Sears, Kohls, Chevron/Texaco and Target all gave me CL with the highest from Cap One 20k. Chase declined me but hinted approval might happen in another 12 months. B of A and AMEX both said hell no and dont bother re-applying until the BK is off my record. I was able to get a decent 7% auto loan (2014) vehicle for 30 k from CHASE. I have not tried Citibank due to reading other posts that they are not BK friendly. So there you have it for what its worth from a newbie!
If your willing to take a HP I would try citi if there is a card you want. It's all YMMV anyways so perhaps they will accept you.
Amex, Chase, and Citi have all been un-obtainable for me after BK. Only card I burned in BK was Orchard Bank for about 900 bucks (rest was medical). I have my Discover card up to $13,000, Sallie Mae at $10,000, BofA at $2000, Amazon at $2600, Best Buy at $2000, and 2 Capital 1 QS's totaling $6500. Had savings and checking at Chase and got declined last year for Freedom & Slate, tried for Amex end of last year same thing not a chance, and Citi told me I was doing very well after BK and with handling my Citi issued BB card but that a Citi card wasnt possible. Really would like an Amex Everyday, Chase Saphire, and Citi Simplicity....looks like thats about 6 years away 
@PlasticOrPlastic wrote:Amex, Chase, and Citi have all been un-obtainable for me after BK. Only card I burned in BK was Orchard Bank for about 900 bucks (rest was medical). I have my Discover card up to $13,000, Sallie Mae at $10,000, BofA at $2000, Amazon at $2600, Best Buy at $2000, and 2 Capital 1 QS's totaling $6500. Had savings and checking at Chase and got declined last year for Freedom & Slate, tried for Amex end of last year same thing not a chance, and Citi told me I was doing very well after BK and with handling my Citi issued BB card but that a Citi card wasnt possible. Really would like an Amex Everyday, Chase Saphire, and Citi Simplicity....looks like thats about 6 years away
You can probably try Chase after you hit the 5 or 6 year mark. And you'll need to recon. They will make you plead your case with a BK on your CR.
Citi preapproved me after 8 years.
I haven't tried Amex yet.
@PlasticOrPlastic wrote:Amex, Chase, and Citi have all been un-obtainable for me after BK. Only card I burned in BK was Orchard Bank for about 900 bucks (rest was medical). I have my Discover card up to $13,000, Sallie Mae at $10,000, BofA at $2000, Amazon at $2600, Best Buy at $2000, and 2 Capital 1 QS's totaling $6500. Had savings and checking at Chase and got declined last year for Freedom & Slate, tried for Amex end of last year same thing not a chance, and Citi told me I was doing very well after BK and with handling my Citi issued BB card but that a Citi card wasnt possible. Really would like an Amex Everyday, Chase Saphire, and Citi Simplicity....looks like thats about 6 years away
Do you have the Amazon Visa or store card?
@Anonymous wrote:
@PlasticOrPlastic wrote:Amex, Chase, and Citi have all been un-obtainable for me after BK. Only card I burned in BK was Orchard Bank for about 900 bucks (rest was medical). I have my Discover card up to $13,000, Sallie Mae at $10,000, BofA at $2000, Amazon at $2600, Best Buy at $2000, and 2 Capital 1 QS's totaling $6500. Had savings and checking at Chase and got declined last year for Freedom & Slate, tried for Amex end of last year same thing not a chance, and Citi told me I was doing very well after BK and with handling my Citi issued BB card but that a Citi card wasnt possible. Really would like an Amex Everyday, Chase Saphire, and Citi Simplicity....looks like thats about 6 years away
Do you have the Amazon Visa or store card?
Store Card, the Visa is Chase who's declined me more times than I can count.
AmEx , Chase, Citi, Discover aren't BK friendly even if you didn't burn them.
I was approved for a $5k Delta AmEx... 5 years after filing Ch 13. Denied the previous year. I have been unable to get any type of CLI... they deny due to my Ch 13.
I was approved for a $1500 Discover at the same time as the AmEx and had also been denied the previous year. I've gotten one $500 CLI so far to $2k.
Still denied for Citi and Chase. I applied as recently as 6 months ago when I had no apps and no new accounts in a year and was denied by both citing the Ch 13. I tried to recon Chase and even requested a $500 Freedom to get in the door... still denied.
None of the above were included my Ch 13.
Capital One has been nice and I have a $6700 Sallie Mae with Barclays.
Citi and Chase? They'll be throwing cards at me in a few months I'm sure after my Ch 13 falls off my reports... my scores should go up to 750ish across the board. I don't know if I'll apply though, I've made it this far without them.
@PlasticOrPlastic wrote:Amex, Chase, and Citi have all been un-obtainable for me after BK. Only card I burned in BK was Orchard Bank for about 900 bucks (rest was medical). I have my Discover card up to $13,000, Sallie Mae at $10,000, BofA at $2000, Amazon at $2600, Best Buy at $2000, and 2 Capital 1 QS's totaling $6500. Had savings and checking at Chase and got declined last year for Freedom & Slate, tried for Amex end of last year same thing not a chance, and Citi told me I was doing very well after BK and with handling my Citi issued BB card but that a Citi card wasnt possible. Really would like an Amex Everyday, Chase Saphire, and Citi Simplicity....looks like thats about 6 years away
Wait, if you have BestBuy card -isn't it issued by Citibank? Is it the Store card or the Visa Version?
