Stores are always asking if you want to open a charge and I always decline. The idea of rejection is horrifying. But then I look online and one of the first questions is Have you declared banktruptcy? Its unclear about discharge etc. I never apply since its totally a grey area. My last app was almost two years ago. I only have 3 lines reporting since I paid of my car last July. I need to bite the bullet and add another rung to my rebuilding ladder but frankly I am a chicken turd. Help please!!! 
Most of you are way more skilled and gutsy at this apping and gardening than I. I have been so nervous. I just have been maintaining my two Cap One cards. I only have two since they sent me the second after a year of perfect history with the first! I didn't even request it. Both were step cards and I have reached the max steps. I am even to chicken to call for a CLI....
@bostonte wrote:
Usually you give the clerk your drivers license and a major credit card. The most invasive question is usually salary, and that's entered by you on the pin pad and not visible to the clerk. You usually enter your social and such on the pin pad too. I wouldn't worry about any BK questions. Also keep in mind the clerk doesn't know who you are and doesn't really care. If anything that are happy you applied so they meet their quota.
+1, they may even have an incentive for getting people to apply, whether or not you're actually approved. My friend worked for State Farm, and she convinced me to app for the Good Neighbor Visa in 2010 so that she could meet her monthly quota and get her $300 bonus that month... She was only like 2 apps short that month, so she was desparate, and I didn't mind helping. I was declined for the card dispite having 10k in investments with State Farm Bank in a Roth IRA.
FICO 8: 
Goal: Gardening!
Goal: Gardening!
@bostonte wrote:
Usually you give the clerk your drivers license and a major credit card. The most invasive question is usually salary, and that's entered by you on the pin pad and not visible to the clerk. You usually enter your social and such on the pin pad too. I wouldn't worry about any BK questions. Also keep in mind the clerk doesn't know who you are and doesn't really care. If anything that are happy you applied so they meet their quota.
Seriously! When I worked at Old Navy years ago, we were basically told that they expected one ONC app per every 10 hours that we were given per week. And they tried to reduce people's hours if we didn't get ONC apps. I hated it!
Starting Score: 760
@webhopper wrote:
@bostonte wrote:
Usually you give the clerk your drivers license and a major credit card. The most invasive question is usually salary, and that's entered by you on the pin pad and not visible to the clerk. You usually enter your social and such on the pin pad too. I wouldn't worry about any BK questions. Also keep in mind the clerk doesn't know who you are and doesn't really care. If anything that are happy you applied so they meet their quota.
+1, they may even have an incentive for getting people to apply, whether or not you're actually approved. My friend worked for State Farm, and she convinced me to app for the Good Neighbor Visa in 2010 so that she could meet her monthly quota and get her $300 bonus that month... She was only like 2 apps short that month, so she was desparate, and I didn't mind helping. I was declined for the card despite having 10k in investments with State Farm Bank in a Roth IRA.
Boo. Just another reason to not like State Farm.