Approved For $5000 Limit Circuit City Rewards Visa!!!

[FilingOnMyOwn]

WOW!!! I'm in complete shock. After reading this forum daily since my bk ordeal unfolded, I decided today to start looking at other forums that focus on the credit rebuilding process. After reading a thread on creditboards.com, I read that circuit city/chase is bk friendly to those with good credit scores, and they pull from Equifax. Well I just pulled my Equifax score yesterday and it was 738, another shocker. So I apply online and am instantly approved! $5000 Limit!!! Only 4 months since discharge! Its 19.5%, but no annual fee. Way better than hooters card. For anyone who wants to apply for this card, I don't know if they are bk friendly if you bk'ed on them. I had a chase gold card that I maxed and paid in full many years ago, 3200$.

[Minnymouth]

That 19.5% interest rate is not so hot.............. they could have gone 12% and still come out ahead.................

Really, you are doing them a favor, not the other way around.........

Use that card wisely, cause they'll sure make the interest off of you.....

[anonymuse]

After about 6 months of limitted use with very low balance, she can always go back and ask for a reduction (i.e. reduction or I close the account.)

[highNdry]

Are those FICO score?? How did you manage a 738 right out of BK.....mine are pathetic.

Congrats!!!!!!!

WOW!!! I'm in complete shock. After reading this forum daily since my bk ordeal unfolded, I decided today to start looking at other forums that focus on the credit rebuilding process. After reading a thread on creditboards.com, I read that circuit city/chase is bk friendly to those with good credit scores, and they pull from Equifax. Well I just pulled my Equifax score yesterday and it was 738, another shocker. So I apply online and am instantly approved! $5000 Limit!!! Only 4 months since discharge! Its 19.5%, but no annual fee. Way better than hooters card. For anyone who wants to apply for this card, I don't know if they are bk friendly if you bk'ed on them. I had a chase gold card that I maxed and paid in full many years ago, 3200$.

[FilingOnMyOwn]

Are those FICO score?? How did you manage a 738 right out of BK.....mine are pathetic.

Congrats!!!!!!!

Thanks! I really don't think its accurate, but its working! I went on a cc shopping spree, and got target and that visa online approvals, and the rest got further processing messages, no denials. I went back and redid the score on myfico.com, and after all the inquiries it still came back 738.

[edwards2]

I was wondering the same thing...what a HUGE disparity between your Experian score and your TransUnion score...how can they be so far apart?

[FilingOnMyOwn]

I was wondering the same thing...what a HUGE disparity between your Experian score and your TransUnion score...how can they be so far apart?

I had to dispute alot of stuff on my TU report that was incorrect, and it took until just recently to start getting it straightened out.

[FilingOnMyOwn]

Got the card today... Sure enough, limit is 5 G's

[anonymuse]

Got the card today... Sure enough, limit is 5 G's

Wow! That is excellent. Even in an emergency (like flight or car repair) you'll easily stay below the 20% of max.

Congrats on your rebuilding.

[lrprn]

Definitely a big high five is in order - good to see your careful rebuilding of your credit is paying off, FOMO! Congrats!

[JeepMom]

Careful with chase. They will jack your rate up to 29.99% if you make every payment on time for over 5 years. They are the main reason we filed in the first place.

[Jenny]

Congrats on the card. The interest rate doesn't matter since you won't be buying more than you can afford to pay off monthly. 0% beats any rate all day.

[lrprn]

Careful with chase. They will jack your rate up to 29.99% if you make every payment on time for over 5 years. They are the main reason we filed in the first place.

Yes, Chase did the very same thing to us as well. Proceed with caution.

[FilingOnMyOwn]

Thanks for the comments everyone. Yes I know, every credit card has a default interest rate, and citibank was the one credit card company I included in my bk filing that quadrupled my % from 7% to 28%. But it doesn't matter now anyways, because I will never again carry a balance unless its an absolute emergency

[anonymuse]

Yes, Chase did the very same thing to us as well. Proceed with caution.

You have got to be kidding!!!! Those dang ontime payers just aren't making them enough money is late fees! Yikes!