Since I have a hh unsecured cc and always paid early never late,and a car loan through hh never paid late I decided to apply for QVC,and best buy since household issues them. Was denied,and the reason I got was due to Bk. I called hh customer service and was told that hh retail has a strict policy that it is a automatic denial if a bk is showing regardless of age.
This is true. I applied for a Best Buy card (Household is the issuer) and they denied me for the same reason...even though I have a Citibank card ($6,500 limit) and a Cap One card ($8,000) limit with perfect history. My chapter 7 is 9 years-old too. Go figure...
