Are there any credit cards that will approve someone who has filed bankruptcy without having to put the money upfront?
Try Providian, they gave my mother a card and she filed bankruptcy. Their interest rate is a steep 23.99% but they are usually generous with increases. Please DON'T get involved with Cross Country Bank (CCB), read posts below about them. I have had a card with Providian for 18 months and was upgraded to Gold status a couple of months ago. Their website address is www.providian.com and you'll find their phones numbers to call and apply.
Nicole, ALS is right try providian, they are backing a card called aria which is basically a providian card from what I've read. And under no condition get a Cross Country Bank card, they are the biggest bunch of crooks in the credit crd business. They will only hurt your credit worse in the long run and cost you a fortune in BOGUS FEES There Customer Service Department is as crooked as they come also. They will not work with you on anything. They all took special training on how to be A-HOLES. I HAVE A PROVIDIAN GOLD CARD, And have had no problems with them. Like ALS said there rate is alittle higher but if you have a BK you will probably have to pay a higher rate no matter where you go. Good Luck!
I actually experienced more problems with Providian than with CCB. I had a Providian card for a little over a year. Used it for it's intended purpose (rebuilding my credit). Never any late fees or over the limit fees. But when I got ready to close it (approved for a prime card), I found out that Providian had NEVER reported my history to ANY of the credit reporting agencies. It took me another 3 months before they provided the history to the credit bureaus. Make sure they are reporting. Otherwise, it's all for naught.
Besides Providian, try First Consumers National Bank. They gave me a $1000 unsecured even before my bankruptcy was discharged.
RB How long ago was it you had a prov. card. I heard they used to be a real pain like CCB, but changed there way a couple of years ago. I just got my updated credit report back last month and they have always reported my account to all three major bureaus. Which is good for me.
Noooooooooooo, While you may have had good results with them (so far), The National Bank of Marin has a well deserved reputation for having some of the worst customer service reps in the industry. I daresay it may be the second worst sub-prime card out there behind (well way way behind) Cross Country. Go with Orchard Bank most likely the best sub-prime credit card company out there now, while its cards are nothing special it has the best customer service and online management.
