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2 years post BK. What should I apply for?

lhogan94
New Contributor

2 years post BK. What should I apply for?

BK discharged 10/16

 

Fico Scores: TU 638 EQ 657 EX 668

 

Current CC's

 

Merrick Bank $1800 

Cap1 QS $1500 (PC from Plat 10/18)

Credit One $900 

Overstock $750 

Overall Utilization : 9%

 

Id like to add at least one more prime card to my list but im not sure who would be a good fit. I've checked out Discover's prequal but recieve the "sorry we have no offers for you right now. check again in x amount of days". I also burned them in BK which makes me hesistant to cold app. Any advice would be greatly appreciated!

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3 REPLIES 3
ImTheDevil
Community Leader
Super Contributor

Re: 2 years post BK. What should I apply for?

Check the AmEx prequals and see if they have anything for you there (unless you burned them in BK). Don’t take the prequals as gospel though - I had no preapprovals and cold-apped for the two in my sig and was approved for both, so YMMV.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 2 of 4
lhogan94
New Contributor

Re: 2 years post BK. What should I apply for?

I did not burn Amex in my BK but prequal always brings back nothing. I wouldnt expect any love from Amex until maybe 5 or 6 years post Bk from what ive read around the forum.

Message 3 of 4
FireMedic1
Super Contributor

Re: 2 years post BK. What should I apply for?


@lhogan94 wrote:

BK discharged 10/16

 

Fico Scores: TU 638 EQ 657 EX 668

 

Current CC's

 

Merrick Bank $1800 

Cap1 QS $1500 (PC from Plat 10/18)

Credit One $900 

Overstock $750 

Overall Utilization : 9%

 

Id like to add at least one more prime card to my list but im not sure who would be a good fit. I've checked out Discover's prequal but recieve the "sorry we have no offers for you right now. check again in x amount of days". I also burned them in BK which makes me hesistant to cold app. Any advice would be greatly appreciated!


2 yrs out your scores are a tad low. Whats your utilization on the cards, how many inq's? The cards listed aren't considered prime. Get below 9%. List each card CL then balance. Then we can work from there. Something is missing. Lates from the past? We're here to help.

FYI: AMEX Co-branded cards are not the same as a regular card. Different class of cards. 5yrs 1 month till AMEX approvals.

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