So I got a bit cocky, I guessed at my Beacon score and made a stab at a Citgo gas card. I'd heard they were easier to get. I knew the automated system would deny me b/c of the bk but I went for the manual override (Dogman is my God for giving me the basic idea of asking for an override). Anyway, still got denied but I did get a LOT of info out of today's talk. First, I got my Beacon score!!!!! Not bad considering I'm heavy on balances right now. The supervisor actually commented that my score was as high as she'd ever seen so soon after a bk. So this process is working! The useful info I did get: ANB will override and accept you post bk, but they like 24 months, 3 credit lines good post bk. I've got 9 current lines going, all perfect, but my oldest is only 18 months or so now. She genuinely encouraged me to apply again later this year when 3 of my accounts age a bit. Oh, and I was told that ANB does NOT report gas cards anyway. Their cards are: Amoco Credit Card BP Credit Card CITGO Plus Credit Card Shell Credit Card Texaco Credit Card She made a point of noting they only report delinquent accounts, and Amoco especially reports delinquent accounts. I asked about the "what if you request your Texaco to report" and she said NO. not to her knowledge. So I'm going on the assumption that they don't unless someone on this board requests reporting and actually gets it. So, the theory of gas cards being more difficult to get is true. There was no magic Beacon score they would give me, they do override, but they don't report. So for building credit, they're a wash. They did offer me a secured visa or mc, but since none of my cards are secured... I said no thanks.