Just applied Barclays - just denied

[artgood]

Filed 10/26/10
Discharged 2/17/11

I applied for credit card online, and was denied. Credit score 633. First time since discharge we've tried to get credit.

[Chad334]

try capital one, and hsbc, I'm pretty sure you have to have a tradeline at least 6 months old before barclays will approve after a BK.

[Flamingo]

Not everyone is able to get credit after filing a BK - you may see a lot of postings in this forum about people getting credit right out of BK but many do not. Try Orchard Bank which is very BK friendly but be careful about applying for credit too often as those hard inquiries will affect your credit reports. Also get a copy of your credit reports after this denial and review them and clean up as/if necessary.

[artgood]

I did give Orchard a try and was approved. $39 yearly fee. $300 limit. That's just fine with me. I'm going to use it once a month to get gas and pay it off as soon as I get home.

[IBroke]

I'm going to use it once a month to get gas and pay it off as soon as I get home.

Now you're pushing it! I'd rather pay it off at the pump with my smartphone...

[artgood]

I can't afford a smart phone!

[IBroke]

I can't afford a smart phone!

Ah, c'mon...I got mine for free..

[LadyInTheRed]

From what I've read, if you want your credit report to reflect that you used the card, you need to wait for them to issue a statement before you pay it. I don't remember where I read it, so I can't vouch for it's accuracy.

I can afford a smart phone, but I can't afford the data service.

[pathfinders]

Not true on the need to wait for a statement, i pay off my cards in full on line as soon as it posts, I make sevral payments per month, all report to the big 3 and have gotten CC Limit increase, and credit score has went from 653 to 708 FICO score in the last 16 months. Average