I don't have this issue w/ Sam's Club 
They're who res about taking any type of card!
Going with a secured card at this point in your journey is a bit bass akwards considering you already have 3 cards that aren't.
If you're pre-approved for Savor and can hit the spend requirement then it's a worthwhile thought to get it. Those of us w/ tons of cards get denied even with 800+ scores.
IIB isn't the end of the world with lenders.. most just require 2-5 years post DC before they let you back in the door with a new account.
BOA - most of their offerings are the 3/2/1 variety for when you get invited back into their good graces.
Citi / Chase auto declines are normal and all you have to do is give them a call to reconsider the app and there are plenty of examples of people in the same situation getting approved.
Costco can be a blessing when it comes to Gas as they're a big contender for the lowest cost per gallon in most situations. The stuff inside the box though doesn't always add up to being the best deal. Price checking items you purchase often between retailers is always a good idea. Sam's for example has the seedless cucumbers that are $2/ea at Whole Foods for 3@$3, Jerky for 15.98/#, pasta for less than $1/pkg when the grocery stores sell them for 1.50-2.00/pkg.
Bigger ticket items can be a little difficult to apples-to-apples on as they usually have a different SKU for the wholesale version and missing some minor features. It all depends on how you shop though in the end whether it's a good deal to go with either store. Even if you're not a member with Sam's you can still shop and just pay the 10% markup unlike Costco.... but, with Costco you can get the GC's and not the membership and pay a markup as well.
Capital One Venture IS a Visa right now... It only says so on the app page though.
@AverageJoesCredit wrote:
Have you ACTUALLY applied for the Costco Visa? Being 8 years post bk7 you should be ok with Citi's rules snd there have been people who have gotten it with a bk reporting. Visas are like candy, a dime a dozen, you can get one almost anywhere
I'm unfortunately in the midset that the common blacklist companies will auto deny. So far my best shot seems to be the Cap1 QS but as far as I can tell, the main benefits being the logo and the SUB. I'll rechek my scores in June when they're reported and likely app the Costco visa
@ChargedUp wrote:If you're a AAA member, the BoA AAA Rewards Visa could be a good fit for you...
"The AAA Member Rewards Visa® credit card from Bank of America offer's 3x points on eligible travel and AAA purchases, 2x points on gas, grocery store, wholesale club and drugstore purchases, and 1 point per $1 on purchases everywhere else1. There is no limit to the points you can earnand points can be redeemed for a variety of rewards, including cash back, future travel, gift cards and more. Or, get up to 40% more value than cash when redeeming for a AAA voucher good towards most AAA products and services2."
https://www.aaa.com/AAA_Travel/Financial/credit-card.html
EDIT - I just noticed you were denied by BoA, but it's one to keep in mind for the future... I believe Cap One is issuing Venture as a Visa at the moment, so if it shows you're pre-qualified for Savor, you should be good for Venture as well. Cap One's pre-quals are usually fairly solid.
Otherwise, I can vouch for BBVA Clearpoints if you're in their service area. If you're in BB&T's area, they have been doing soft pull approvals lately, so that might be another lender to look at.
BB&T has branches west of me. I checked their pre-qual offers and 3 showed up so that one looks good. Good to know I have more potential choices than I thought.
@Hex wrote:
If you tell us your utilization and if you have any baddies other than the BK on your report we might be able to suggest something. Also how many inquires and new accounts do you have? Do you know what your FICO 9’s are? I think there must be something else off on your report besides your BK or your scores would be higher by now.
My utilization is >1% with no baddies, 2 new CC accounts the past year, 1 auto loan will be a year old as of June 06.
TU showing Discover. EX showing Amex (approval) and BoA pull (denial). I don't know what my FICO 9s are.
I think my scores are lower possibly because I had (and still have) a very thin file until 2018. Only had one CC post BK, Cap1 Platinum for 6 years which was PC'd to QS1 in December.
@DoogieBall wrote:
@AverageJoesCredit wrote:
Have you ACTUALLY applied for the Costco Visa? Being 8 years post bk7 you should be ok with Citi's rules snd there have been people who have gotten it with a bk reporting. Visas are like candy, a dime a dozen, you can get one almost anywhereI'm unfortunately in the midset that the common blacklist companies will auto deny. So far my best shot seems to be the Cap1 QS but as far as I can tell, the main benefits being the logo and the SUB. I'll rechek my scores in June when they're reported and likely app the Costco visa
Doogie, please check out the Approvals forum, was a poster just yesterday who got approved the Costco Visa 6 years post bk. Im not 100% sure but i dont think Citi auto denys anyone 8 years post. I remember reading they like 7 years post on legacy cards though i may be wrong. Perhaps @pizza1 can help clarify Citi's policy
Forget what I said about PenFed. I think AJC’s urgent bold font reply might be because he doesn’t think you should app Penfed. I know enough to defer to the superior knowledge and experience of AJC when it comes to credit advice.