Re: I"ve updated the list-hope it h I was wondering why Providian is not on this list. The credit card says Providian on it. The checks are written to Providian. Providian gold, and Plat are working right now after a BK. I know someone personaly who received Providian Plat offer last week with a recent BK. Also, I would change American Online Secured Visa to American Pacific Bank Secured. Great thread though!
Re: I"ve updated the list-hope it h At the time this list came out Providian was in the mist of changing their target consumer. Providian shed quite a few accounts. Not sure if they really still serve the sub-prime market. I have two accounts with them, these accounts were opened 4 years into my bk-13. Since late 2001 I have not received any CL increases other than a $80.00 increase on my Providian Plat. Visa. Just waiting till my bk-13 falls off in Oct/2003. Best regards, Mirage
Re: Re: I"ve updated the list-hope it h PROVIDIAN has changed it's TARGET MARKET...but you still can be too HIGH for them... When they were (MOSTLY) in the SUB-PRIME market...I WAS DENIED 3 TIMES!!! I KNOW...ME BAD!!!
Re: I"ve updated the list-hope it h Providian had to make changes to stay around. Look at a 2 year chart on the stock PVN. They used to approve almost anybody. Now they take low 600's with a BK. Providian is back but not like they were before.
Re: I"ve updated the list-hope it h I KNOW FOR A FACT THAT ONE OF MY DENIALS WAS MY 739!!! So you can be TOO GOOD FOR THEM... I just liked the easy "INSTANT" answer application...I think it had only 10 questions...
Re: CC List with Mortgage updated i Rejected: Conoco Only reason given: Bankruptcy on File I believe it was through Citi Bank. Nana I'll be in AVS country next week!!
Credit Cards approvals after BK Rejected: Conoco Only reason given: Bankruptcy on File I believe it was through Citi Bank. Nana I'll be in AVS country next week!!
Re: Credit Cards approvals after BK Providian... Ok, I had just taken it off since I thought they had sold all their sub-prime away..if someone has received a providian lately after Bk, please let me know and I will update!!
Re: Credit Cards approvals after BK BK FRIENDLY CREDITORS Compiled by NanaC Clarifications: Listings based on earliest receipt of credit. Occasionally, something may appear to be listed twice. This results from the credit being somehow different, for example, secured and unsecured, credit limits, etc. STARTER BK CARDS: score bad. 1. Household - unsecured 300 - 5 mos., score about 560 ( www.householdbank.com/hb/CustomerCa...direct=HomePage ) 2. Cap1 - Secured and Unsecured ( www.capitalone.com ) 3. Orchard - Secured ( www.orchardbank.com/care/CustomerCa...direct=HomePage ) 4. American Online Secured Visa ( www.apbank.com/021_scc.html ) 6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s 1. Cap1 - unsecured gold 500 ( www.capitalone.com ) 2. Orchard - unsecured $500 ( www.orchardbank.com/care/CustomerCa...direct=HomePage ) 3. Target Guest Card- unsecured 200 (target.com/common/financialservices/apply_online.jhtml) 4. First Premier - $200 ( www.credit-cards-s.com/premier.asp ) 1-2 YEARS REBUILDING: score mid 600s 1. AT&T Wireless - No deposit ( http://www.attws.com ) 2. Cap1 Platinum - unsecured 5000. Yes, platinum. started w/regular card and negotiated credit line to platinum. (Wow!) ( www.capitalone.com ) 3. Cross Country Bank Visa - unsecured - $300, then $600, then $1250 over time. * ( www.crosscountrybank.com ) 4. Cross Country Bank MC - unsecured - $350 * ( www.crosscountrybank.com ) 5. Dillards - unsecured - $500 ( www.dillards.com/cca/CreditCardApplication.jsp ) 6. Circuit City â?? unsecured -$2000 ( http://www.circuitcity.com ) 7. Western Security Bank - secured ( www.westernsecuritybank.com ) 8. 1/00 Direct Merchants Bank $1001 (Semi-secured) ( www.directmerchantsbank.com ) 9. Sprint PCS - $200 Assigned Spending Limit ( www.sprint.com ) 10. Newport News/Spiegals/Eddie Bauer ( www.spiegals.com/home.asp ) 11. Merrick - $1000, about 650 FICO (www.applymerrick.com) 2+ Years Rebuilding: score low to mid 600's: 1. Aspire - unsecured - $500 ( www.compucredit.com/pdcts.html ) 2. Voicestream - No deposit ( www.voicestream.com ) 3. Bank One Checking Account with Debit Card after 5 months usage ( www.bankone.com ) 4. Mortgage Received (No specific name as more than one loan was found by those reporting receipt of mortgage loan.) 5. Nordstrom - suggest not applying on-line ( www.nordstrom.nordstrom.com ) 6. First N.A. Nat. Bank - 3 years (www.fnanb.com) 7. Citibank MC- will consider post-7 years ( www.citibank.com ) 8. Nextel - must be 7 years post BK, no dep. ( www.nextel.com ) 9. Exxon - 4 years ( www.exxon.com ) 10. Home Depot - 4 years ( www.homedepot.com ) ** 11. Bloomingdales - 3 years ( www.bloomingdales.com ) 12. Verizon - no deposit ( www.verizonwireless.com ) 13. Washington Mutual Visa secured card issued by Citibank N.A. South Dakota ( www.washingtonmutual.com ) 14. Mervyn's ** ( www.mervyns.com ) 15. Generations (6 year mark!) - $1000 ( www.genscu.com ) 16. Target Visa - mid 600's required ( www.target.com ) 17. Lowes - 3+ years ( www.lowes.com ) 18. Washington Mutual Mortgage - 3+ years ( www.wamuhomeloans.com ) 19. Nordstrom - 5+ years (www. Nordstrom.com) 20. Wescom Credit Union - 5+ years ( www.wescom.org ) 21. First Nationwide Mortgage - 5 years ( www.firstnationwide.com ) 22. Dell - $1500 - 5+ years ( www.dell.com ) 23. Nissan Lease - 6+ years (Please provide link if known.) 24. Phillips 66 - 7.5 years ( www.phillips66.com ) 25. Ford Credit - 5 years ( www.fordcredit.com ) 26. Diamond Shamrock - 6.5 yrs ( www.valero.com ) 27. Menard's Big Card (Conseco) - $3000 - 5+ years ( www.menards.com ) 28. Capital One Auto Finance -14 % interest, score approximately 650 - ( www.capitalone.com/capitaloneplace/...id=2000bann0202 ) 29. JCB Card - CE642 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 discharge within 4 months** 26. UnionPlus 27. GM Card 28. Conoco Smart Suggestions: 1) Try Credit Unions 2) Ford is BK friendly
Re: Re: Credit Cards approvals after BK On Tuesday 7-15-03, my girlfriends Providian card came in the mail. Providian Plat. $1000 limit. Discharge 12-02. $0 annual fee, 23.9% APR unsecured 100%. Her FICO in the mid 600s. I saw a application denied with a FICO of 584 in June. The cut off is probably in the low to mid 600s. My girlfriend got hers 7 months after the discharge.
Re: Re: Credit Cards approvals after BK I would add Wells Fargo secured to the rejections list. I would hate to see anyone else get rejected because of a BK. GREAT LIST!!!
Re: Credit Cards approvals after BK just and update on American Pac Bank, If you are late, even one day. They freeze your account. It can be an emergency, and there is no way to access funds until the account is up to date. That can take more than a week anyways, because they hold payment for verification. Even the manager couldnt do anything, when I needed $20 bucks.
Re: Credit Cards approvals after BK BK FRIENDLY CREDITORS Compiled by NanaC Clarifications: Listings based on earliest receipt of credit. Occasionally, something may appear to be listed twice. This results from the credit being somehow different, for example, secured and unsecured, credit limits, etc. STARTER BK CARDS: score bad. 1. Household - unsecured 300 - 5 mos., score about 560 ( www.householdbank.com/hb/CustomerCa...direct=HomePage ) 2. Cap1 - Secured and Unsecured ( www.capitalone.com ) 3. Orchard - Secured ( www.orchardbank.com/care/CustomerCa...direct=HomePage ) 4. American Online Secured Visa ( www.apbank.com/021_scc.html ) 6 MOS - 1 YEAR REBUILDING CREDIT: score low 600s 1. Cap1 - unsecured gold 500 ( www.capitalone.com ) 2. Orchard - unsecured $500 ( www.orchardbank.com/care/CustomerCa...direct=HomePage ) 3. Target Guest Card- unsecured 200 (target.com/common/financialservices/apply_online.jhtml) 4. First Premier - $200 ( www.credit-cards-s.com/premier.asp ) 5. Providian Platinum (www. providian.com) 1-2 YEARS REBUILDING: score mid 600s 1. AT&T Wireless - No deposit ( http://www.attws.com ) 2. Cap1 Platinum - unsecured 5000. Yes, platinum. started w/regular card and negotiated credit line to platinum. (Wow!) ( www.capitalone.com ) 3. Cross Country Bank Visa - unsecured - $300, then $600, then $1250 over time. * ( www.crosscountrybank.com ) 4. Cross Country Bank MC - unsecured - $350 * ( www.crosscountrybank.com ) 5. Dillards - unsecured - $500 ( www.dillards.com/cca/CreditCardApplication.jsp ) 6. Circuit City â?? unsecured -$2000 ( http://www.circuitcity.com ) 7. Western Security Bank - secured ( www.westernsecuritybank.com ) 8. 1/00 Direct Merchants Bank $1001 (Semi-secured) ( www.directmerchantsbank.com ) 9. Sprint PCS - $200 Assigned Spending Limit ( www.sprint.com ) 10. Newport News/Spiegals/Eddie Bauer ( www.spiegals.com/home.asp ) 11. Merrick - $1000, about 650 FICO (www.applymerrick.com) 2+ Years Rebuilding: score low to mid 600's: 1. Aspire - unsecured - $500 ( www.compucredit.com/pdcts.html ) 2. Voicestream - No deposit ( www.voicestream.com ) 3. Bank One Checking Account with Debit Card after 5 months usage ( www.bankone.com ) 4. Mortgage Received (No specific name as more than one loan was found by those reporting receipt of mortgage loan.) 5. Nordstrom - suggest not applying on-line ( www.nordstrom.nordstrom.com ) 6. First N.A. Nat. Bank - 3 years (www.fnanb.com) 7. Citibank MC- will consider post-7 years ( www.citibank.com ) 8. Nextel - must be 7 years post BK, no dep. ( www.nextel.com ) 9. Exxon - 4 years ( www.exxon.com ) 10. Home Depot - 4 years ( www.homedepot.com ) ** 11. Bloomingdales - 3 years ( www.bloomingdales.com ) 12. Verizon - no deposit ( www.verizonwireless.com ) 13. Washington Mutual Visa secured card issued by Citibank N.A. South Dakota ( www.washingtonmutual.com ) 14. Mervyn's ** ( www.mervyns.com ) 15. Generations (6 year mark!) - $1000 ( www.genscu.com ) 16. Target Visa - mid 600's required ( www.target.com ) 17. Lowes - 3+ years ( www.lowes.com ) 18. Washington Mutual Mortgage - 3+ years ( www.wamuhomeloans.com ) 19. Nordstrom - 5+ years (www. Nordstrom.com) 20. Wescom Credit Union - 5+ years ( www.wescom.org ) 21. First Nationwide Mortgage - 5 years ( www.firstnationwide.com ) 22. Dell - $1500 - 5+ years ( www.dell.com ) 23. Nissan Lease - 6+ years (Please provide link if known.) 24. Phillips 66 - 7.5 years ( www.phillips66.com ) 25. Ford Credit - 5 years ( www.fordcredit.com ) 26. Diamond Shamrock - 6.5 yrs ( www.valero.com ) 27. Menard's Big Card (Conseco) - $3000 - 5+ years ( www.menards.com ) 28. Capital One Auto Finance -14 % interest, score approximately 650 - ( www.capitalone.com/capitaloneplace/...id=2000bann0202 ) 29. JCB Card - CE642 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 discharge within 4 months** 26. UnionPlus 27. GM Card 28. Conoco 29. Wells Fargo Secured Smart Suggestions: 1) Try Credit Unions 2) Ford is BK friendly Note: thanks everyone!
Re: Re: Credit Cards approvals after BK Nana, I'll chime in here. Providian approved me for a card, they pulled TU and EX in No. Cal.
Re: Re: Re: Credit Cards approvals after BK Hi, Brad! Great to see you!! They pulled 2 then, huh?? hmmm... Congrats on the approval! Hope everything is going great!
