Just got an offer to apply for this card. Anyone know how hard it is to get? Do they approve you with a BK? (from 8 years ago) Thanks
true that... I was listening to the Joan Rivers radio talk show about a month ago while in cab. I dont listen to that regualarly. LOL. Anyway, A caller was complaining about FirstUSA changing her apr without lates, or anything. Joan was pissed. Dont deal with 'em
RE: Regardless.... Exactly! They absolutely SUCK! FirstUSA is a sub-prime institution that requires immaculate credit. They KNOW they suck, but they DON'T CARE. Somehow, this concept has been profitable for them.
RE: Regardless.... They do 2 cycle billing and that will almost double your interst charge--stay away from them!!!
Most bk's stay on your reports for 10 years, if somehow bk is off your report, I would send it in. Started with 9.90% still at 9.90% after two years. Raised credit line 2k after 7 months.
Actually you are both right. Chapter 13 bankruptcy which is a wage earner plan (you pay your creditors back through the court) will remain on your credit report for 7 years. However, Chapter 7 which wipes to slate clean, remains on your report for 10 years.
