Seems like you really like Capital One! Not sure WTH "Pottery Barn" is ..but as long as you're happy with it, that is all that should matter 
@Anonymous wrote:Seems like you really like Capital One! Not sure WTH "Pottery Barn" is ..but as long as you're happy with it, that is all that should matter
Lol, Cap1 has been the most generous to me. I swipe, pay, rinse & repeat. They've never questioned me, never put any spending restrictions. It's my go to card when I temporarily parked a $4K and $6K transaction on the same day. They never batted an eye. The Venture/QS combo was pre-qualified at the lower 17.99% rate so I jumped on it, fully intending to get rid of the higher rate (22% and higher) cards later. So there is/was a plan........
Oh and Pottery Barn, love me some Pottery Barn. Although that limit taunts me everyday!
It always surprises me how much they forgive BK over derogs, I have 7 derogs that equal less then 10k that was charged off from 6 years ago but it haunts me, then someone with a bk from a year ago can get anything they want... 
I should have just Ch 7 back then
@takeshi74 wrote:
@Anonymous wrote:I started my rebuild with just one card. I swore I would never use CC's, even though it wasn't personal debt that caused the ch7, I wanted to live on cash alone and used my debit card all the time. But that brought risk as well and I needed to rent a car on vacation, so I opened just one CC and said that would be it.
Credit is used for a lot of things these days. If you want to buy a house or car and need financing then your credit will matter. Credit can also matter for home & auto insurance, employment, renting a home or apartment, etc.
Seems like you went into an app frenzy. Carefully consider your strategy and ensure that each card you apply for serves a clear purpose and is suited to you. Don't just apply for cards to cover all spending based on rewards. Analyze your spend and find cards that maximize your spend where the majority of your spend is going.
Useless post Takeshi. I am quite sure OP is aware of what they want/need to do. Their accomplishments support such. OP was not seeking advice, but rather sharing their accomlishments, which will inspire others. I notice you didn't congratulate the OP. 
Super congrats OP! You've done an awesome job.
@SOGGIE wrote:
@takeshi74 wrote:
@Anonymous wrote:I started my rebuild with just one card. I swore I would never use CC's, even though it wasn't personal debt that caused the ch7, I wanted to live on cash alone and used my debit card all the time. But that brought risk as well and I needed to rent a car on vacation, so I opened just one CC and said that would be it.
Credit is used for a lot of things these days. If you want to buy a house or car and need financing then your credit will matter. Credit can also matter for home & auto insurance, employment, renting a home or apartment, etc.
Seems like you went into an app frenzy. Carefully consider your strategy and ensure that each card you apply for serves a clear purpose and is suited to you. Don't just apply for cards to cover all spending based on rewards. Analyze your spend and find cards that maximize your spend where the majority of your spend is going.
Useless post Takeshi. I am quite sure OP is aware of what they want/need to do. Their accomplishments support such. OP was not seeking advice, but rather sharing their accomlishments, which will inspire others. I notice you didn't congratulate the OP.
Thank you. I just want people to know that it is possible to rebuild. We all choose to do it differently. I intentionally went on the frenzy so that my AAoA would be strong when the 15+ year old IIB accounts fell off my reports. Some 10 year closed/positive accounts are due to fall off this year, that's gonna hurt a bit too.
I never, ever thought I could get a mortgage two years out of my bk but it can be accomplished. I am blessed beyond measure! I don't really talk about my bk outside of this board, it's still embarassing, even though it wasn't a spending problem. It's embarassing because I couldn't make my small business succeed like I had dreamed it would. But through that failure, I've been given the opportunity to start fresh and take a different path. My career is awsome, my health is good and my son is amazing! Again, all I can say is that I'm totally blessed.
@SOGGIE wrote:
@takeshi74 wrote:
@Anonymous wrote:I started my rebuild with just one card. I swore I would never use CC's, even though it wasn't personal debt that caused the ch7, I wanted to live on cash alone and used my debit card all the time. But that brought risk as well and I needed to rent a car on vacation, so I opened just one CC and said that would be it.
Credit is used for a lot of things these days. If you want to buy a house or car and need financing then your credit will matter. Credit can also matter for home & auto insurance, employment, renting a home or apartment, etc.
Seems like you went into an app frenzy. Carefully consider your strategy and ensure that each card you apply for serves a clear purpose and is suited to you. Don't just apply for cards to cover all spending based on rewards. Analyze your spend and find cards that maximize your spend where the majority of your spend is going.
Useless post Takeshi. I am quite sure OP is aware of what they want/need to do. Their accomplishments support such. OP was not seeking advice, but rather sharing their accomlishments, which will inspire others. I notice you didn't congratulate the OP.
Uhm.............. I didn't find his post useless. I think a planning a stratagy to maximize your spend/reward is very important also. At the very least its sound advice for those of us that want to have good credit without having to manage 50 credit cards and toy limits.