Citibank CC with BK7 anyone.

In general, Citibank will consider you for a card seven years after the BK 7 filing date. If you can prove to them, however, that it was due to an undue hardship such as a medical emergency they might conder you for approval. But still, this will have to be several years after your BK 7 was discharged and your score will need to be somewhat above 650 with additional account history that proves you have maintained good credit over an extended time.

 

Here is some post Bk 7 credit card info that
a credit net member posted a while back. It includes some details on Citibank cards.


STARTER BK CARDS:
1. Household - unsecured $300
2. Cap1 - Unsecured 300
3. Providian visa - 500
4. FCNB - unsecured - $1000
5. Cap1 - Secured
6. Orchard - Secured

6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s
1. Cap1 - unsecured gold 500
2. Prov MC - unsecured 500
3. Orchard - unsecured $500
4. Target - unsecured 200
5. First Premier - $200
6. Providian Classic - $1000


1-2 YEARS REBUILDING: score mid 600s
1. Aria/Getsmart Visa - unsecured - $500
2. AT&T Wireless - No deposit
3. Cap1 Platinum - unsecured 5000. Yes, platinum. started w/regular card and negotiated credit line to platinum. (Wow!)
4. Cross Country Bank Visa - unsecured - $300, then $600, then $1250 over time. *
5. Cross Country Bank MC - unsecured - $350 *
6. Dillards - unsecured - $500
7. Circuit City â?? unsecured -$2000
8. Western Security Bank - secured
9. 1/00 Direct Merchants Bank $1001 (Semi-secured)
10. Sprint PCS - $200 Assigned Spending Limit



2+ Years Rebuilding: score low to mid 600's:
1. Aspire - unsecured - $500
2. Providian Gold
3. Voicestream - No deposit
4. Bank One Checking Account with Debit Card after 5 months usage
6. Mortgage
7. Nordstrom - suggest not applying on-line
8. First N.A. Nat. Bank - 3 years
9. Citibank MC- will consider post-7 years
10. Nextel - must be 7 years post BK, no dep.
11. Exxon - 4 years
12. Home Depot - 4 years
13. Bloomingdales - 3 years
14. Verizon - no deposit
15. Washington Mutual Visa secured card issued by Citibank N.A. South Dakota
16. Mervyn's **
17. Generations (6 year mark!) - $1000
18. Target Visa - mid 600's required



STARTER BK CARDS: score? bad.
1. Household - unsecured 300
2. Cap1 - Unsecured 300
3. Providian visa - 500
4. FCNB - unsecured - $1000
5. Cap1 - Secured
6. Orchard - Secured

6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s
1. Cap1 - unsecured gold 500
2. Prov MC - unsecured 500
3. Orchard - unsecured $500
4. Target - unsecured 200
5. First Premier - $200
6. Providian Classic - $1000


1-2 YEARS REBUILDING: score mid 600s
1. Aria/Getsmart Visa - unsecured - $500
2. AT&T Wireless - No deposit
3. Cap1 Platinum - unsecured 5000. Yes, platinum. started w/regular card and negotiated credit line to platinum. (Wow!)
4. Cross Country Bank Visa - unsecured - $300, then $600, then $1250 over time. *
5. Cross Country Bank MC - unsecured - $350 *
6. Dillards - unsecured - $500
7. Circuit City â?? unsecured -$2000
8. Western Security Bank - secured
9. 1/00 Direct Merchants Bank $1001 (Semi-secured)
10. Sprint PCS - $200 Assigned Spending Limit



2+ Years Rebuilding: score low to mid 600's:
1. Aspire - unsecured - $500
2. Providian Gold
3. Voicestream - No deposit
4. Bank One Checking Account with Debit Card after 5 months usage
6. Mortgage
7. Nordstrom - suggest not applying on-line
8. First N.A. Nat. Bank - 3 years
9. Citibank MC- will consider post-7 years
10. Nextel - must be 7 years post BK, no dep.
11. Exxon - 4 years
12. Home Depot - 4 years
13. Bloomingdales - 3 years
14. Verizon - no deposit
15. Washington Mutual Visa secured card issued by Citibank N.A. South Dakota
16. Mervyn's **
17. Generations (6 year mark!) - $1000
18. Target Visa - mid 600's required



Special Considerations:
1. Bank of America - will consider post-BK if you have established credit and can show unusual circimstances (business loss, medical, etc.)
2. Citibank MC- will consider post-BK after 7 years
3. Citibank Diners Club - will consider post-BK if you have established credit and can show unusual circimstances (business loss, medical, etc.)
4. Federated (Pres. Club Visa)- 3 years post BK was able to override with explanation and good (>680) score
5. Federated (Macy's) Store Card - 2 years post-BK was able to override with explanation.