Re: I"ve updated the list-hope it h Wow, thanks for the replies. This thread is great! I know I'm jumping the gun (again!) on this, but after BK is discharged (end of Jan, I believe) would you suggest applying for all the unsecured/secured cards you have listed at same time? I want to get it going so quickly because my goal in two years (after I graduate from nursing school) is to buy a new house and be able to rent the one I'm in now out. Thanks so much!! Missi
Re: I"ve updated the list-hope it h I applied for two cards after I was through with BK - I think it was about 6 months later. I have heard of people applying sooner. My limit was small, $300. I also got a secured card with my bank. It was the same limit.
Re: I"ve updated the list-hope it h Thanks for the reply genmorr! Could you give me some information what CHOD is? I've read about it, but don't know exactly what it is, or what it does? Thanks!! Missig
Re: CC List with Mortgage updated info Updated for recent information. Please keep me informed as these change. Clarifications: Listings based on earliest receipt of card. 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 Guest Card- 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 11. Newport News/Speigals/Eddie Bauer 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 19. Lowes - 3+ years 20. Washington Mutual Mortgage - 3+ years 21. Nordstrom - 5+ years 22. Wescom Credit Union - 5+ years 23. First Nationwide Mortgage - 5 years 24. Dell - $1500 - 5+ years 25. Nissan Lease - 6+ years 26. Phillips 66 - 7.5 years 27. Ford Credit - 5 years 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. Rejections: 1. Lowe's (MB) 2. Home Depot (MB) ** 3. Walmart 4. Mervyns ** 5. Exxon/Mobile ** 6. Amex Green 7. Best Buy (Household)-Recently confirmed letter due to bankruptcy Ch 13 6.5 years 8. Citgo 9. Amex Optima Secured 10.Home Depot 11.CitiBank 12. Associates: Citgo (try manual 24 ms+, 3 good lines) 13. First USA (try manual 5+ years discharge) 14. Bank of America 15. Sears 16. Fleet 17. First USA 18. Mens Wearhouse 19. Monogram Bank = MB ** 20. Amex LOC 21. Juniper 22. Chase Manhattan 23. Target Visa Smart Suggestions: 1) Try Credit Unions 2) Ford is BK friendly *See note in first message of thread ** Seen on approved and not approved both.
Re: CC List with Mortgage updated info 6 months after filing C13, I was offered a $500 CL unsecured Household card. They checked EX. I had no EX score at the time (?!?).
Re: CC List with Mortgage updated info Originally posted by NanaC Updated for recent information. Daughter got 1st rebuilding card approved online today. Please keep me informed as these change. Clarifications: Listings based on earliest receipt of card. 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 7. Orchard Unsecured - 5 mos. Score about 560 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 Guest Card- 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 11. Newport News/Speigals/Eddie Bauer 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 19. Lowes - 3+ years 20. Washington Mutual Mortgage - 3+ years 21. Nordstrom - 5+ years 22. Wescom Credit Union - 5+ years 23. First Nationwide Mortgage - 5 years 24. Dell - $1500 - 5+ years 25. Nissan Lease - 6+ years 26. Phillips 66 - 7.5 years 27. Ford Credit - 5 years 28. Diamond Shamrock - 6.5 yrs 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. Rejections: 1. Lowe's (MB) 2. Home Depot (MB) ** 3. Walmart 4. Mervyns ** 5. Exxon/Mobile ** 6. Amex Green 7. Best Buy (Household)-Recently confirmed letter due to bankruptcy Ch 13 6.5 years 8. Citgo 9. Amex Optima Secured 10.Home Depot 11.CitiBank 12. Associates: Citgo (try manual 24 ms+, 3 good lines) 13. First USA (try manual 5+ years discharge) 14. Bank of America 15. Sears 16. Fleet 17. First USA 18. Mens Wearhouse 19. Monogram Bank = MB ** 20. Amex LOC 21. Juniper 22. Chase Manhattan 23. Target Visa Smart Suggestions: 1) Try Credit Unions 2) Ford is BK friendly *See note in first message of thread ** Seen on approved and not approved both.
Re: CC List with Mortgage updated info I noticed you have Chase Manattan on the rejected list, but I just had to mention that a good friend of mine, received an instant approval in the mail and received a $5,000 unsecured limit with them 1.5 years post BK7. Just wanted to share that, maybe it was a fluke ) Missig
Re: CC List with Mortgage updated info Daughter got her preapproved Household card in mail. Online approval said it would be Orchard but it came in Household with no Orchard logo. So, thought I'd share and bump this, too
Re: CC List with Mortgage updated info Originally posted by NanaC Originally posted by NanaC Updated for recent information. Daughter got 1st rebuilding card approved online today. Please keep me informed as these change. Clarifications: Listings based on earliest receipt of card. STARTER BK CARDS: score? bad. 1. Household - unsecured 300 - 5 mos., score about 560 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 Guest Card- 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 11. Newport News/Speigals/Eddie Bauer 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 19. Lowes - 3+ years 20. Washington Mutual Mortgage - 3+ years 21. Nordstrom - 5+ years 22. Wescom Credit Union - 5+ years 23. First Nationwide Mortgage - 5 years 24. Dell - $1500 - 5+ years 25. Nissan Lease - 6+ years 26. Phillips 66 - 7.5 years 27. Ford Credit - 5 years 28. Diamond Shamrock - 6.5 yrs 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. Rejections (BK Unfriendly): 1. Lowe's (MB) 2. Home Depot (MB) ** 3. Walmart 4. Mervyns ** 5. Exxon/Mobile ** 6. Amex Green 7. Best Buy (Household)-Recently confirmed letter due to bankruptcy Ch 13 6.5 years 8. Citgo 9. Amex Optima Secured 10.Home Depot 11.CitiBank 12. Associates: Citgo (try manual 24 ms+, 3 good lines) 13. First USA (try manual 5+ years discharge) 14. Bank of America 15. Sears 16. Fleet 17. First USA 18. Mens Wearhouse 19. Monogram Bank = MB ** 20. Amex LOC 21. Juniper 22. Chase Manhattan 23. Target Visa 24. Corvette Mastercard Smart Suggestions: 1) Try Credit Unions 2) Ford is BK friendly *See note in first message of thread ** Seen on approved and not approved both.
Re: CC List with Mortgage updated info Folks, If you have been denied a credit card for the reason of your bankruptcy, please do let us know so we can update the list. Thanks so much!
Re: CC List with Mortgage updated i Addition to BK friendly: Menard's Big Card (Conseco) $3000 5years+
Re: CC List with Mortgage updated i Nana, Thanks very much for this thread. It will be helpful to my DW and me once our BK7 is discharged and we start to rebuild our credit. JohnB
Re: CC List with Mortgage updated i Tzank: Thanks John: You are so welcome! Clarifications: Listings based on earliest receipt of card. STARTER BK CARDS: score? bad. 1. Household - unsecured 300 - 5 mos., score about 560 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 Guest Card- 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 11. Newport News/Speigals/Eddie Bauer 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 19. Lowes - 3+ years 20. Washington Mutual Mortgage - 3+ years 21. Nordstrom - 5+ years 22. Wescom Credit Union - 5+ years 23. First Nationwide Mortgage - 5 years 24. Dell - $1500 - 5+ years 25. Nissan Lease - 6+ years 26. Phillips 66 - 7.5 years 27. Ford Credit - 5 years 28. Diamond Shamrock - 6.5 yrs 29. Menard's Big Card (Conseco) - $3000 - 5+ years 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. Rejections (BK Unfriendly): 1. Lowe's (MB) 2. Home Depot (MB) ** 3. Walmart 4. Mervyns ** 5. Exxon/Mobile ** 6. Amex Green 7. Best Buy (Household)-Recently confirmed letter due to bankruptcy Ch 13 6.5 years 8. Citgo 9. Amex Optima Secured 10.Home Depot 11.CitiBank 12. Associates: Citgo (try manual 24 ms+, 3 good lines) 13. First USA (try manual 5+ years discharge) 14. Bank of America 15. Sears 16. Fleet 17. First USA 18. Mens Wearhouse 19. Monogram Bank = MB ** 20. Amex LOC 21. Juniper 22. Chase Manhattan 23. Target Visa 24. Corvette Mastercard 25. Target with recent BK dsch of 4 months** Smart Suggestions: 1) Try Credit Unions 2) Ford is BK friendly *See note in first message of thread ** Seen on approved and not approved both.
Re: CC List with Mortgage updated i i thought i posted this anyways providian is no go. I believe no more sub-prime for them. 1 yr aft bk 7 dont forget am pac bank. www.apbank.com, they are pretty good, though 11 day hold on payments.
