Credit Card Approvals with BK - Credit Repair Forum from Creditnet
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  1. #1
    NanaC is offline Senior Member
    Join Date
    Mar 2001
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    3,232
    Ok...can we make a list of credit card approvals that we've experienced with BK's? Let's put secured or unsecured to be clear. I'll start with what I know:

    Capital One - unsecured, gold
    Aria Visa (now GetSmart) - unsecured
    Aspire Visa - unsecured
    Cross Country Visa - Unsecured *
    Cross Country Mastercard - Unsecured *
    Target - Unsecured

    *Please don't yell at me! ROFL...These were hubby's first cards after bk and he's, er, fussy about them. I've tried to explain..you all know how it is..ROFL

    This could be an interesting list, I believe.

    Thank you and Happy Saturday morning!
    ~NanaC~

    Like a broken record, NanaC was known to wander, mumbling over and over: "PLEASE Check state requirements for CA's before doing anything."
    Using State Laws to get rid of CA's
    Credit After BK

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  3. #2
    NanaC is offline Senior Member
    Join Date
    Mar 2001
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    3,232

    Re: Credit Card Approvals with BK

    Aww, c'mon guys, I know you have some to add to the list! :(
    ~NanaC~

    Like a broken record, NanaC was known to wander, mumbling over and over: "PLEASE Check state requirements for CA's before doing anything."
    Using State Laws to get rid of CA's
    Credit After BK

  4. #3
    Marie is offline Senior Member
    Join Date
    Mar 2000
    Posts
    2,572

    Re: Credit Card Approvals with BK

    Let's qualify starter bk cards vs rebuilding after bk (1, 2 years or so). I also waited 9 mos post bk discharge to apply for a thing. I was slow. :)

    STARTER BK CARDS: score? bad.
    1. Household unsecured 300 (the bad one, 19 app fee, 79 annual fee). they won't upgrade to nonprime card but increased to 1900 limit, 15.9 apr, annual fee rebated.
    2. Cap1 Unsecured mc 300
    3. Providian unsecured visa 500, later upgraded to Gold

    6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s
    1. Cap1 unsecured gold visa 500
    2. Prov MC unsecured 500

    1-2 YEARS REBUILDING: score mid 600s
    1. Aria/Getsmart unsecured visa (likely could've gotten earlier, just applied at 1 1/2 years or so)
    2. Target unsecured 300 (likely could've gotten earlier)
    3. Nextcard unsecured 750 o annual fee. Thought it was my first step into semi-prime. Now I'm not liking their APR increases for no reason whatsoever.
    4. Cap1 Platinum unsecured 5000. Yes, platinum. started w/regular card and negotiated credit line to platinum.
    What would you do if you were certain you would always succeed...

  5. #4
    NanaC is offline Senior Member
    Join Date
    Mar 2001
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    3,232

    Re: Credit Card Approvals with BK

    OK..I'm appointing myself the keeper of this list..ROFL..but, I can't help much with the time periods of mine because we didn't even attempt credit cards until 4 years post bk..so I'll have to give the info as I know it...I'll add as people post..which they will, right, people? If your experience differed, please let me know so I can fix since I didn't apply until much later. I'm also going to put the lowest amount approved for so people can know what to expect worse case..for instance, for me, Target was $200 so I'm lowering that to $200 since that's the lowest we know of. Also, I will list them at the first possible time period someone received the card. So, if someone got Aspire before what's listed, please tell and I'll move it. Thanks!

    STARTER BK CARDS: score? bad.
    1. Household - unsecured 300 - 19 app fee, 79 annual fee. they won't upgrade to nonprime card but increased to 1900 limit, 15.9 apr, annual fee rebated.
    2. Cap1 - Unsecured 300
    3. Providian visa - 500 (later upgraded to Gold)

    6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s
    1. Cap1 - unsecured gold 500
    2. Prov MC - unsecured 500

    1-2 YEARS REBUILDING: score mid 600s
    1. Aria/Getsmart Visa - unsecured - $500
    2. Target - unsecured 200
    3. Nextcard - unsecured 750 no annual fee.
    4. Cap1 Platinum - unsecured 5000. Yes, platinum. started w/regular card and negotiated credit line to platinum. (Wow!)
    5. Cross Country Bank Visa - unsecured - $300, then $600, then $1250 over time. *
    6. Cross Country Bank MC - unsecured - $350 *

    2+ Years Rebuilding: score low to mid 600's:
    1. Aspire - unsecured - $500

    *See note in first message of thread
    ~NanaC~

    Like a broken record, NanaC was known to wander, mumbling over and over: "PLEASE Check state requirements for CA's before doing anything."
    Using State Laws to get rid of CA's
    Credit After BK

  6. #5
    NanaC is offline Senior Member
    Join Date
    Mar 2001
    Posts
    3,232

    Re: Credit Card Approvals with BK

    Hold them horses...did I just read this?

    Nextcard? The one that I can create my own card? As in the Avalanche Card?

    Oh, wait, it's probably copyrighted, eh? So...no problem..put my grandson and wait for the logo card till I'm prime??
    ~NanaC~

    Like a broken record, NanaC was known to wander, mumbling over and over: "PLEASE Check state requirements for CA's before doing anything."
    Using State Laws to get rid of CA's
    Credit After BK

  7. #6
    FeliceRodo is offline Senior Member
    Join Date
    May 2001
    Posts
    247

    Re: Credit Card Approvals with BK

    Hi all - I could have never gotten the cards below with the limit increases if it were not for the people on this board. I would not have had the courage or knowledge how to ask nor the right phone numbers, if it weren't for the stories and methods people here have shared. I may have committed suicide, I felt that low before learning how to rebuild and move into the future. Thank you all!

    Since my discharge 2 years ago here's my credit picture:

    Providian (Silver) opened in Nov 1999 with a $1000 CL, now $7000 (apr now 19.8)

    FCNB: $1k to $3000
    Orchard $500 to $2000
    Aria $2000 - the same
    Dillards: $500 to $2500 (don't report limits so it may go after it ages)
    Circuit City $2000 - last week approved - may close/not accept the card due to the lowering of fico

    -- Felice

  8. #7
    FeliceRodo is offline Senior Member
    Join Date
    May 2001
    Posts
    247

    Re: Credit Card Approvals with BK

    I forgot! My fico is 600. I have no idea what it was 3 months ago but it is about 600 today. I say about because a couple of inquiries has knocked it down, both from banks opening a checking/savings account. I learn the hard way!

  9. #8
    NanaC is offline Senior Member
    Join Date
    Mar 2001
    Posts
    3,232

    Re: Credit Card Approvals with BK

    Felice: What happened to your fico after circuit city approval? Was it specifically that one that hurt you more?
    ~NanaC~

    Like a broken record, NanaC was known to wander, mumbling over and over: "PLEASE Check state requirements for CA's before doing anything."
    Using State Laws to get rid of CA's
    Credit After BK

  10. #9
    NanaC is offline Senior Member
    Join Date
    Mar 2001
    Posts
    3,232

    Re: Credit Card Approvals with BK

    Folks, please help with info on this thread! Please include wireless service info as well. Felice, I just put your starting amounts as that was the lowest but check the dates when you first got those for me, please. Thanks! (I figured some were before the 1-2 year mark.)


    STARTER BK CARDS: score? bad.
    1. Household - unsecured 300
    2. Cap1 - Unsecured 300
    3. Providian visa - 500

    6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s
    1. Cap1 - unsecured gold 500
    2. Prov MC - unsecured 500

    1-2 YEARS REBUILDING: score mid 600s
    1. Aria/Getsmart Visa - unsecured - $500
    2. Target - unsecured 200
    3. Nextcard - unsecured 750 no annual fee.
    4. Cap1 Platinum - unsecured 5000. Yes, platinum. started w/regular card and negotiated credit line to platinum. (Wow!)
    5. Cross Country Bank Visa - unsecured - $300, then $600, then $1250 over time. *
    6. Cross Country Bank MC - unsecured - $350 *
    7. F.C.N.B. - unsecured - $1000
    8. Orchard - unsecured $500
    9. Dillards - unsecured - $500
    10. Circuit City - $2000


    2+ Years Rebuilding: score low to mid 600's:
    1. Aspire - unsecured - $500



    *See note in first message of thread
    ~NanaC~

    Like a broken record, NanaC was known to wander, mumbling over and over: "PLEASE Check state requirements for CA's before doing anything."
    Using State Laws to get rid of CA's
    Credit After BK

  11. #10
    making is offline Member
    Join Date
    Jun 2001
    Posts
    88

    Re: Credit Card Approvals with BK

    I got orchard for $1500 (which immediately turned into $1700) 6 months after and FCNB unsecured for $500 before discharge

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