Hi,
I have been gardening and am planning to add a fourth credit card to my portfolio when a couple of INQs drop off my report in November (then I will have only one in the last year).
Problem is I BK'd most of the major banks (discharged Ch. 7 April 2010) so I have to avoid AMEX, Citi (2 cards), Chase (2 cards), Cap 1 (2 cards), and Wells Fargo (2 cards). (Cap 1 online card finder says "we didn't find any offers for you..."). Not interested in Discover.
I already have a Barclays card, not sure I want to try to get another one from them.
Should I try for a rewards card from US Bank? I know I probably won't qualify for Cash+, but is there another possibility? Is there any other bank that might be friendly to me...TD, Commerce? A rewards card would be great, but not required. I'd like a card with a $5000+ limit, is this realistic?
I have the following lines currently: Alliant FCU Platinum Visa, $15,000 (25% util, opened 5/13) | Barclays iTunes Visa $6000 ( 0% util, opened 11/11) | Best Buy MC $800 (0% util, opened 5/10, not reporting due to changeover from Cap 1). I also have a number of other closed accounts reporting paid as agreed/good standing going back ten years or more.
Most recent scores: EQ 675 | EX 722 | TU 713. Annual income $82K
I'd like to replace the Best Buy MC, since I think Citi may be unlikely to give me a CLI due to BK 7 discharged April 2010. Thoughts on this?
Thanks for your responses.
QS is an option but I definitely wouldn't go with excellent credit (bk less than 5 years and IIB)
@09Lexie wrote:
QS is an option but I definitely wouldn't go with excellent credit (bk less than 5 years and IIB)
OP's credit lines fit excellent credit for capital one and so do scores for that matter.
I hate capital ones "credit profile" thing anyway! 
I don't take much stock in their 'profiles' either. The concern is they were IIB and they may kick it down to average but since you have the number to the people who say, 'yes' looks like OP will be approved.
@Creditaddict wrote:
@09Lexie wrote:
QS is an option but I definitely wouldn't go with excellent credit (bk less than 5 years and IIB)OP's credit lines fit excellent credit for capital one and so do scores for that matter.
I hate capital ones "credit profile" thing anyway!
Except for the whole bankruptcy part though.
@parakleet wrote:
@Creditaddict wrote:
@09Lexie wrote:
QS is an option but I definitely wouldn't go with excellent credit (bk less than 5 years and IIB)OP's credit lines fit excellent credit for capital one and so do scores for that matter.
I hate capital ones "credit profile" thing anyway!
Except for the whole bankruptcy part though.
Capital One Doesn't care about BK!
@Creditaddict wrote:
@parakleet wrote:
@Creditaddict wrote:
@09Lexie wrote:
QS is an option but I definitely wouldn't go with excellent credit (bk less than 5 years and IIB)OP's credit lines fit excellent credit for capital one and so do scores for that matter.
I hate capital ones "credit profile" thing anyway!
Except for the whole bankruptcy part though.
Capital One Doesn't care about BK!
You may very well be right but I was just going off cap1's credit level guidelines on their webiste. Having "Excellent" credit according to their guideline includes not having a BK.
Thanks for the replies. The Duck card sounds like it's worth a shot. Too bad I have to wait a month (for INQs to drop off). Hopefully I will remember to update this thread and have some good results to report.