What to apply for?

[icyhot]

I want one more credit card to grow as I build my credit again. The goal is to keep the three I have as long as I can until my BK falls off, DC 12/18. Right now I have a CapOne Platinum card, opened around 2/2019, and a Credit One card opened last month. I included CapOne, BofA, Chase, Amex, Discover, Citi, and Wells Fargo in my BK, even tho WF was a secured card for $300. No derogs except the BK, UTL at 16%. PIF monthly. I’m not in any credit unions and don’t qualify for Navy Fed. Anywhere else I could look?

[simplynoir]

Have you tried Discover? Check their prequal page and see what results you get from them.

[icyhot]

I included them in BK, I hear they’re not so friendly

[simplynoir]

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@icyhot wrote:
I included them in BK, I hear they’re not so friendly

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Ah, sorry about that. I could've sworn I didn't see them there. Then you might want to consider joining a local CU and see what options they have for cards. It does not have to be NFCU to be a good one to help you rebuild til some of the banks you included in your BK are options again

[Anonymous]

Garden for a year, keep your utilization AZEO and all payments on time, then join PenFed (anyone can) and apply for a card. 

Then just before you've had it 90 days, request a CLI.

You basically need a credit union in order to get any substantial credit and it will help greatly if you don't appear to have been too eager right after your discharge.

I don't think another low limit starter card will do much for you right now.

[icyhot]

Fair enough! I’ll do that

[icyhot]

If anyone can join PenFed, would it be a good idea to join now?

[Anonymous]

Can't hurt to join now, but note that they won't approve any unsecured credit until 1 year post discharge.

Although . . . if you wait to join until you're ready to apply for credit with them, there's a chance the HP for joining might be used for your credit app.

[pinkandgrey]

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@Anonymous wrote:

Can't hurt to join now, but note that they won't approve any unsecured credit until 1 year post discharge.

Although . . . if you wait to join until you're ready to apply for credit with them, there's a chance the HP for joining might be used for your credit app.

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This sounds like a good plan to me. 

[AverageJoesCredit]

I wouldnt try to join a super conservative and Picky Penfed with a bk so fresh out the oven. Only lead to heartache imo. Save your hps for better.