My husband, who is five months out from his discharge, hasn't been able to get new credit in his name since (he's on Cap1's blacklist), so after reading these forums, he decided to apply for a Barclays unsecured. He was approved for $2500! It is at 25% APR, but that doesn't bother us because we will not be using it unless the cash is already in place to pay it off (save for some emergency). I was already approved for a Cap1 unsecured with a $1000 limit from a few months ago, but I figured what the heck and applied for the Barclays as well (I am over a year out from my discharge). I was also approved for $2500.
Three days later, I was doing back-to-school shopping with my daughter and was ready to fork over $300 in cash to the clerk at JC Penney's when she offered the old 20%-if-I-get-approved-for-a-credit-card deal. Since it would be a significant savings considering the amount of my purchase, I figured why not. It did require a phone call from the clerk (not sure why or if they all need one), but I got approved for $800. I charged my purchase to my new JCP card and then paid it off seconds later.
Suffice it to say that I am DONE with opening new credit for the foreseeable (and probably beyond) future, but it feels good to know that now I can start rebuilding by using it wisely. I share this in case anyone else wanted an idea of who to apply to. Of note, I learned that JCP is backed by GE. Interestingly, about three months back, GE declined us for CareCredit because of our BKs.
Three days later, I was doing back-to-school shopping with my daughter and was ready to fork over $300 in cash to the clerk at JC Penney's when she offered the old 20%-if-I-get-approved-for-a-credit-card deal. Since it would be a significant savings considering the amount of my purchase, I figured why not. It did require a phone call from the clerk (not sure why or if they all need one), but I got approved for $800. I charged my purchase to my new JCP card and then paid it off seconds later.
Suffice it to say that I am DONE with opening new credit for the foreseeable (and probably beyond) future, but it feels good to know that now I can start rebuilding by using it wisely. I share this in case anyone else wanted an idea of who to apply to. Of note, I learned that JCP is backed by GE. Interestingly, about three months back, GE declined us for CareCredit because of our BKs.
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