I'm gardening right now, but I'm curious which way to go with my next card goal. I have a recent ch7 discharged 8 months ago. Current fico is Tu-664, eq and ex are both 657.
I have a secured discover It card. I have a $1000 limit and I use it for most everything. Routinely run it to 98% and then pay if off, usually twice a month. Never reports with more than $54 though. I will keep that one once it graduates.
I have a secured USAA Amex with $1,000 limit. No rewards, no nothing. I use it for a recurring bill and pif monthly. It's 2 months from being a year old. I'll either cancel it at a year, or pay the animal fee and keep it one more year. It's the only one that doesn't report as secured.
I have a local bank secured MasterCard with $500 limit. I use it to make a recurring bill too. I don't like this card. Payments don't post for days, website is archaic, and it's just not a very good card. Never had an issue, I'm just not very impressed. I'll probably close it at any time and either put the $500 in savings or add to my discover secured.
Beyond that, a few small store cards that are all $0 balance with occasional use, student loans and a car loan, plus a car lease.
I would like to get a travel card sometime, but I know they tend to be more difficult with a bk. I do bank at chase, both checking and savings, and I put about $10,000 a month through in and out. I know they'll politely tell me "hell no" to one of their good cards, but would a freedom or Southwest Airlines card be an option at some point with the bk? I'd like a csp eventually, but I guess I've got about 9 years to wait for that one... what other options do I have?
Burned NFCU, Barclays and cap one in the bk and they all three decline without a credit pull to this day. Well, NFCU I haven't tried because I'm aware of their black list.
