Credit Card Approvals with BK

GET THE MBNA AMERICA AVALANCHE CARD...

http://www.mbna.com/credit_sports.html

3.90% 6 MONTHS "GO TO" 13.99%

 

Okay here's my list.

Cap 1 secured $99.00/$200 Cl 4 months as filing bk-13- current Cl $1700

Providian Gold 4 years after filing bk, $2000 CL
Current Cl $3550

AT&T wireless 3 years after bk (hard inquiry but no deposit)

Checking account (Bank-One) hard inquiry 5 years after bk, with debit card access after 6 months of usage.

Target $300 Cl 5+ years after bk (New)

Mortgage 5+ years after bk (New)

Providian MC 9 months after opening my Gold Providian CL $1000 no GP. Will close in March of 2002 in terms do not improve.

Turndowns

Amex Green 1998
Nextcard (Twice) in 2001 and 3/2000
Citgo 2000
Amex Optima Secured 3/2000
Home Depot 7/2001
Citi-Bank 2000 (incl. in bk filing)

Recent pre-approvals

Aspire (Twice) 2001
Orchard 2001
Cross County 2000

I think that is it. This board has helped as I have learned about Mr. Miller and how to "speak" to Providian and that Target is easy cc target.

Best regards,
Sam

 

Re: update

George..is MBNA a no bk CC? That was my bet!
-------------------------------------
DON'T KNOW...

 

Re: update

Apply for a no-annual-fee credit card today.
Credit Cards
1-800-932-2775

CALL AND ASK...
Tell them it has been years ago...

You could ask for a "PAPER" application be mailed to you...
Put it in a frame on your wall above the "PUTER"...

 

Re: update

I concur on ATT Wireless, Providian, Cap 1, and household.

But does anyone know where Sears fits on this list? I am a semi-new home-owner and would LOVE to have this card (all the 10% off, zero financing deals).


Shawn

 

Re: update

*ATT phone on the plan where they charge automatically my credit card at 1 1/2 years post bk. 200 limit basically and then they charge your card 200. At 2 years they released my perfect account and I bill like everybody else. You get all their normal plans (no penalty plans w/no long distance or roaming). I can now have as many phones as I want, no limit. I like them a lot.

* Associates: Citgo told me a bk is an auto computer turndown but with 3 lines 24 mos good history (open accts..) they'll manual review. They encouraged me to reapply in Jan (when I have 3 lines / 24 mos good) and I'll be 3 years post bk discharge too

* First USA said auto decline for bk. After 5 years post discharge they'll consider you.

* Bank of America credit card I've heard auto decline. No idea of manual override.

*Monogram used to be able to manually override. That's why I tried for their Home Depot card. No longer. Don't even bother.

 

Re: update

I filed for ch 7 in 8/00 and it was discharged in 12/00. I got the chevron card in 11/00. I think it was a fluke in that, as I recall the sent me a preapproved offer before I filed and I decided after a month or so to send it in. There was an inquiry on one of my reports, but I guess there is some chance the bk wasn't there yet.

Based on what Jim says, I would say I just got lucky.

Oh yeah, I got Target for $200 7 months after. (though I think maybe that was a mistake since i have Dillard's for $3000, Lord & Taylor for $700(survived bk) and Chevron for $400...oh well)

BTW...great idea for a thread nana

-scott

 

Re: update

SORRY I CAN'T HELP YOU...I HAVE ENOUGH PROBLEMS "FINE TUNING" MY PORTFOLIO WITH-OUT A BK.

 

Re: update

NanaC. Not sure what the other bk-13 group feels. To me the bk-13 is worse than the 7.

It seems that creditors start the count the moment I am discharged from the bk as oppose as filing. Unless it's TU who keep on verfying that my bk-13 is dimissed not discharged.

The idea in my mind was to least try to pay back something to my creditors as oppose to not paying anything. I guess the only good thing is that it comes off the CR after 7 years, unless it's TU who will finally confirm my bk as discharged by start a new filing date of 2003.

Btw, Cap 1 gave me a secured card after 4 months of my filing. Providian after 4 years. AT&T after two years. Going to have to stick with Cap 1 as it's my oldest tradline going on 4+ years.

Best regards,
Sam

Just Say No to Junum!

 

Re: update

BUMPing to ask.......

Anyone with a previous BK get a Sears card?

Anyone who has a recent Sears card care to share their situation/scores?

I know I must seem fixated with this card, there is just a lot of things I could use it for right now...especially with the 0% and 10%off deals.


THANKS!

Shawn

 

Re: update

Just curious here...a ch13 is considered discharged after the 3 year (or whatever) repayment period?

-scott

 

Re: update

Dissapointing, huh Nana...and not one person commented on Sears.....


<grin>


Shawn