So my discharge charge was back in August, I got a truck loan at 4.9% to help build my credit. (I was as surprised as anyone to get that with $1000 down, and 2 vehicles that I let go in BK7) Now my I've had a few months of on time payments and was wondering when I should apply for a unsecured CC. I'm sitting at 570 Average Credit Score. I burned Captiol One for like 600, so I won't be applying to them. What are your suggestions?
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Try the various pre-qualifications for credit cards. Most aren't going to touch you yet with your score, and some flatly refuse with a BK for a LONG time (Chase, Citi, AmEx). Capital One does have a prequalification page and does not necessarily discount you if you have a BK, or even if you burned them.
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