@Anonymous wrote:
Yes I'm curious about what you mean about the student loans...
Yes that was my first post. Just started my journey. One year into a 5 year chapter 13 repayment bankruptcy...
I have no idea what to do first.
Got to get my scores up.
No idea what the OP meant with the student loans, but I do know that I had wished I would have paid something on mine while in my payment plan. The interest kept growing and now I owe a lot more than before on those. While in a payment plan you will need trustee approval for any credit. You can do a mortgage after a year of on time payments, but the interest will be high. I did not apply for any credit during the entire time I was on my plan and even a year after my discharge which I regret now as I would have been over 800 if I would have gotten something right after discharge.
Update:
Capital One gave me 10K on a Venture card over the summer 
, and when I checked, the Platinum was eligible for a product change to a QuickSilver, so I took it (I really wanted a SavorOne, but they couldn't offer it), also got a $500 bump in that credit line. I'll apply for a SavorOne at sometime in 2021 (I want to get below Chase 5/24 first and try for some of their cards).
Amazon/Synchrony gave me a 1.5K line on the Store card, and then a 1.5K bump to 3K before Xmas. Target gave me a $300 line before summer, bumped it to $800. So all told I have a little over 38k in open credit lines, the QuickSilver is an old card, most of them (except the Venture, which I may or may not renew next year- if I don't pay the AF I'll downgrade to the no AF cousin VentureOne) are no AF, so they can stay open forever. Haven't carried a balance on any of them since they reopened post-chapter 13. I closed the credit union card when they told me they wouldn't make it unsecured until the Chapter 13 dropped off. Next on the list is at the end of the month, Discover should become an unsecured card (I may product change to the full Cashback card that has 5% categories).
Life is good so far.
Congratulations on your success!
Congrats on all of your stuff. Just as an FYI to people who might be reading, Discovered Secured can be PC'd to the 5% rotating categories card after the first statement. I ended up with almost $400 of cash back match after my year of secured and did not even find out I could change it until 75% of the way through the year.
OP if you're interested in Chase it might be time to tap the brakes. Check out the Garden Club in the Personal Finance section. The 5%/1% card will be a 10%/2% card for your first year which makes it really reasonable to use it for everything, which in turn will help you get CLIs. Keep updating us on your journey!
I too suffered from predatory Sallie Mae/Navient loans (12%+ on 55k!), but was able to refi with common bond to 6.25 1 year post discharge with a cosigner. Just throwing all of my extra money at it and I've knocked it down from 7 yrs to 4, still paying 200 or more than the minimum. It's a long trek to getting out of debt, but it's so much less stress being on the other side of a bankruptcy. I wish I would have filed sooner.
OP if you're interested in Chase it might be time to tap the brakes. Check out the Garden Club in the Personal Finance section. The 5%/1% card will be a 10%/2% card for your first year which makes it really reasonable to use it for everything, which in turn will help you get CLIs. Keep updating us on your journey!
I too suffered from predatory Sallie Mae/Navient loans (12%+ on 55k!), but was able to refi with common bond to 6.25 1 year post discharge with a cosigner. Just throwing all of my extra money at it and I've knocked it down from 7 yrs to 4, still paying 200 or more than the minimum. It's a long trek to getting out of debt, but it's so much less stress being on the other side of a bankruptcy. I wish I would have filed sooner.
Yikes, I wish I had known that it could be PC'ed, I would have totally done that instead of using it as a 2/4% card for errything/gas and restaurants. OTOH it was only $500 secured so pretty hard to max it out on those 5% categories.
I do plan on tapping the brakes now that Discover is going to be a $5k unsecured line shortly. I'll be somewhere over $40k in lines of credit, with the breakdown on what card gets used for what in 2020 going something like this:
DiscoverIt Cashback: use for 5% categories every quarter, no AF, collect sweet cashback match in early 2021 
C1 Venture: travel card @ 2.25% cashback value (I value some of the miles I can transfer into at around 1.5 cpm, x 1.5 because the transfer ratio is 2:1.5), $95 AF, no international fees
Fidelity Visa: 2% cashback, use domestic as a catchall card, no AF, does have international fees so not used outside of US
C1 QuickSilver: 1.5% cashback, use lightly so it doesn't get taken out, no AF, no international fees
Petal: 1.25% cashback going to 1.5% in May, also used lightly, no international fee
Amazon/Trarget store cards (note, they aren't Visa/MC so no Chase 5/24): use at stores except when DiscoverIt CB is the winner in Q4 2020 at 10% cashback instead of 5%.
There will be times where I deliberately don't hyperoptimize the card usage for cashback (except for international- I travel enough outside the US that I value no-fee cards for international transactions) to every last penny because I want to keep the cards all active + not be carrying a high balance/utilization on any of them when they report each month. If that means I have to sacrifice $10 or $20 over the course of a year, so be it.
I also anticipate having large credit card expenditures in 2021 because my daughter will be entering a four year state college (I have the tuition money lined up in a 529) which lines up PERFECT with big ol' Chase credit card spending bonuses. Until then, my combo of C1 Venture/Discover It CB/Fidelity Visa isn't the "Chase Trifecta" but it's not terrible. 