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Discussion in 'Credit Talk' started by ShyGuy, Jan 19, 2001.
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I know you cant get a citibank not even secured also Im pretty sure chase wont touch one either( thats also the secured)
By the way
I told Juniper and Chevron over the phone when I applied that I had a credit problem in my file. Both company reps encouraged me to apply. I think this is standard because the reps are graded on how many apps are processed.
I will let you know if I have any luck with Chevron next week.
In my experience
Practically all Prime cards will automatically decline because of bk and many retail - though you may be able to convince them with second level reviews
Anybody know any prime cards that don't?
After my Chap 7 in '91, I applied for Key Bank (secured)in 1992. Kept that card 1 year, no lates. Applied for Bank One in 1994 Secured $1000 limit with matching deposit. Increased to $5000 with matching deposit. Went unsecured after 1 year no lates. Raised to $7k, $8,500, an $10,500 - all with B/K listed on CRAs. APR 12.99 - 13.99 variable. They did raise my APR to 26.99% because debt/income ratio increased and was successful in getting NextCard (it took 2 different times) and Wells Fargo. Called and they restored APR. No longer use unless I can pay off within 30 days because of the interest method.
With a 5yr old BK (no debts showing as discharged, though, and pristine credit otherwise...)
Nextcard (9.99%/$10k limit with $5k bal xfr)
Bank of America (3.9 intro/$5k limit)
Macy Visa (19.8%/$5k limit... required 2nd level review)
Flat-out declines (no way, no how, no review)...
ALthough I did get the above, but as an AU from my partner's accout.
Hope it helps,