Recommended Credit Cards

[Charlie777]

Capital One letter received - denied for "too many delinquent past or present Capital One obligations." So they do blacklist to some extent, what's frustrating is that they could see this without a hard pull of my credit report by searching their internal systems on my SSN.

I discharged two Capital One items, about $5.5K on a credit card and $44.8K on a line of credit. I don't argue with their right to do this, it just would be nice if they'd disclose...

[tori12]

Cap 1 Approved

I was just approved for a Cap1 card 3 days post discharge! My credit scores are 567, 567, 575!

[trying_to_fix]

Capital One letter received - denied for "too many delinquent past or present Capital One obligations." So they do blacklist to some extent, what's frustrating is that they could see this without a hard pull of my credit report by searching their internal systems on my SSN.

I discharged two Capital One items, about $5.5K on a credit card and $44.8K on a line of credit. I don't argue with their right to do this, it just would be nice if they'd disclose...

Capital One was sending me loads of "pre-approval" letters so I finally applied and got the same thing. They didn't check my credit report and simply said NO without looking. I only cost them about $2.5k on a credit card.

[Charlie777]

Yes, I reread my letter and it says they used internal resources (aka "blacklist") and didn't make a credit file inquiry.

[2muchinDebt]

I just applied and rec'd a Captial One No Hassle Rewards Card w/ a $500 limit and a HSBC card with a $300 limit. Discharge was 4/2010. Only going to put a tank of gas on every other month on each one..rotating the months on the cards and then paying off in full each month. I enjoy being on a cash only basis though. Don't want anymore for quite sometime either! I don't even want these ones, but I have to start somewhere..house, cell, are all in DH's name only and the 2 cars were paid off 5 yrs ago. On the Capital One you can customize a card with your own photo...so I took a photo of DH with a scowl and pointing his finger to put on it as a reminder to not spend too much!!

[tanya0525]

I just applied and rec'd a Captial One No Hassle Rewards Card w/ a $500 limit and a HSBC card with a $300 limit. Discharge was 4/2010. Only going to put a tank of gas on every other month on each one..rotating the months on the cards and then paying off in full each month. I enjoy being on a cash only basis though. Don't want anymore for quite sometime either! I don't even want these ones, but I have to start somewhere..house, cell, are all in DH's name only and the 2 cars were paid off 5 yrs ago. On the Capital One you can customize a card with your own photo...so I took a photo of DH with a scowl and pointing his finger to put on it as a reminder to not spend too much!!

To funny. I should of done that. I put a picture of my baby....my chihuahua on it.

[amalejko]

I did a lot of research on secured cards. Look at Amalgamated. It is secure but they do not report it as secured and it is $50 a year, no monthly fees. Very happy with them so far. After having it for six months, I applied for capitol one and received an unsecured card for $750.

[ladyjenn]

How many of you BK's CapOne and still got a card? We have one that we are Bk'ing with about $5K on it.

[tanya0525]

How many of you BK's CapOne and still got a card? We have one that we are Bk'ing with about $5K on it.

Bk 4 or 5 accounts between hubby and myself 12/09. Just got approved for $500.00

[maungoo]

BK only one card $1k. discharged a year ago, but still deny for unsecured cards. Last month I applied secured card and approved.

[calgirl67]

discharged 3 wks ago, today got a credit card offer from CREDIT ONE Bank. $300-$1500 limit $75 per year annual fee. 23.9% APR

Who is this Credit One? It looks very much like Capital One (logo, etc). I had to read it twice before I realized it was not Crap One!

[tanya0525]

discharged 3 wks ago, today got a credit card offer from CREDIT ONE Bank. $300-$1500 limit $75 per year annual fee. 23.9% APR

Who is this Credit One? It looks very much like Capital One (logo, etc). I had to read it twice before I realized it was not Crap One!

Credit One was the first card I got. Low limit...$200. I had no issues till now. They screwed up my payment. I made a payment thru my bank it posted to my account...then Credit One returned it and charged me $35. A bunch of bullsh**. They are investigating. Other than that...no issues.

[John81nc]

Hi,
I live in NC. I just filed BK and waiting for discharge in Aug. I had my hearing.
I would like to talk with someone who might be able to share some light into how to build my credit back. I have a few ideas. My mom has A#1 credit. She has offered to add me to a few of her credit account for a while. I want to know if that is a good move. I also would like to know what cards are the best. I belong to a credit union. I was thinking of a card with them. Secured! Also I was thinking of buying a CD and taking a loan out on it and paying it back over time. Like 500. So let me know what you guys think! I am all ears!!! Thanks for your time!

[John81nc]

Building credit the best way! Please share advise!

Hi,
I live in NC. I just filed BK and waiting for discharge in Aug. I had my hearing.
I would like to talk with someone who might be able to share some light into how to build my credit back. I have a few ideas. My mom has A#1 credit. She has offered to add me to a few of her credit account for a while. I want to know if that is a good move. I also would like to know what cards are the best. I belong to a credit union. I was thinking of a card with them. Secured! Also I was thinking of buying a CD and taking a loan out on it and paying it back over time. Like 500. So let me know what you guys think! I am all ears!!! Thanks for your time!

[shelveen]

i have been out of BK for about 1.5 years now...my scores are in the mid to high 600s.

i have a public savings secured card for 1500
capitalone one approved me for 500...then raised to 750 after 3 months
orchard bank approved me for 500 today
americanexpress platinum--no limit
american express blue 2000

i have paid everything bill on time and all my credit cards are paid off at the end of the month.

i want to know when my score will go to the 700s...i seem to be stuck in the 600 range.

i dont need anymore credit cards

i have no outstanding auto loans or home loans

my credit is cleaned up except for the BK...everything else on my credit is reporting on time except the BK chapter 7.

I do have one account on my experian report that was included in BK...which shows included in BK..but its a negative account...is this affecting me?

the only card that i got declined for was Citibank Secured Card---i gave them a 2000 deposit and they returned it in 4 weeks. i was approved for the rest of the cards...i dunno why citi cards declined me...i didnt include them in the BK...i never had an account with them.