Hooter/Cap1/Best Buy MC questions

[help1234]

To those of you that have received any of these cards post discharge c7, did you include them in your BK, and do you know your approximate fico scores when approved? Trying to decide how long we should wait and at what point the credit scores should be for approval.

[ForTheBest]

The only card I have is the Best Buy Rewards Zone MC. I did not include HSBC in my Chapter 7, which was discharged in January '10.

I applied for the card at the end of June and was approved for $300. At that time my Equifax FICO score was 615, Experian fako score was 599, and everything was reporting correctly on Equifax and TransUnion. (Experian was inaccurately showing two accounts as charged off rather than IIB.)

Not sure if the following has any bearing on the approval/ low credit limit or not, but when I filed CH 7 in August '09, my accounts were 30 days past due... the only lates I had ever had, and most of the accounts had been open for at least 15 years. Also, I applied for the Best Buy card in the same month that I finally got a job after a year of unemployment. (Probably should have waited longer to apply?)

[tanya0525]

To those of you that have received any of these cards post discharge c7, did you include them in your BK, and do you know your approximate fico scores when approved? Trying to decide how long we should wait and at what point the credit scores should be for approval.

I BK Hooters/Cap 1. I have a No Hassle Card 0% interest rate till 9/2011. Also, Sony Visa (thru Cap1). It took me around 7 months post discharge to get no hassle and 11 months for sony. Hooters denied me due to BK.