@dallasjetfan wrote:
At what point do the "prime" cards start sending pre-approval apps? Will they wait until after BK drops or do they want to see a certain length of time since BK and/or certain score?
I guess we both are on the same boat. that is, we are not looking for new credit but rather a prime card.
I am happy with the credit limit I have rite now, coz I use credit card for regular purchases and any big purchases are done with either check-card or check.
I was eager to get a prime card, my score per-se is good enough for a citi cash back card but i don't have enough credit history. So I went ahead and applied for one. Got denied for lack of history.
So I think, i will not be approved any of the prime cards as of now, coz the only pre-approvals i get is from Cap 1.
My plan is to wait for any prime card preapprovals to show up in my mailbox no matter how long it takes coz I think it a good history is relative from CCC to CCC
e.g. BoA may consider a year of credit history to be good, but Citi wants 18 months of credit history. So similarly prime CCC may have different sets of requirements for bk.
Well, it may not be a answer to your question, but this is what my plan is.
-void