I am about 5 months post discharge and closure in CH 7, i know i need to rebuild, and would like some advice on aquiring a credit card, I have recieved many offers on unsecured offers and have passed them by without a second thought, my question is , should I do it now or wait a year or so, HSBC seems to be giving the best offer (0% till May 07) , I think this is just pitch on their part and don't think thats what I would get. Butreally when should I take the plunge and do it, (IAM SMARTER NOW!) , and is someone like HSBC the one to do it with?
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Why wait? HSBC is Orchard bank that you see so many of us with. They aren't that great, but is a nice easy one to start with.
My hubby and I both have an Orchard card. Mine is 14%, with $39, yearly fee, No monthly fee. Hubby had a higher yearly fee of $69 or $79 don't remember it has been awhile now.
Once you get your scores up there, try for others, and close the Orchard, that's what we are going to do.
Good luck -
I've seen a thread (may be a sticky) for recommended cards after BK. You may want to do a search - that could help you out. Good luck!BK filed Oct. 05
Discharged June 06
Post BK (pre-dispute) scores (as of 8/15/06):
Equifax: 549
Experian: 545
TransUnion: 554
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SPAY/NEUTER your pets!!
One female cat and her kittens can theoretically produce 420,000 cats in a 7 year period!!! SPAY/NEUTER!!!!
Indoor cats live an average of 17 yrs, outdoor only 4 yrs - you do the math.Comment
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I'm with Pink, no reason to wait get started now.Discharged 2/27/06, closed 6/1/06
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