Credit Card offers

[ready2live]

We have been getting at least one a day. They are all ones with annual fees, plus tons of other fees. I got one today from Capital One. It has a $39 annual fee, 0% on transfers, which I don't obviously have right now, and 18% on other balances. High rate, but for just filing, thought it was a good offer. Our lawyer said to get one as soon as we can, charge a small amount and have a small balance and pay off each month. Does this sound ok? I am nervous about getting another card. I am sure it will have a small limit, so I guess that is ok. If something were to come up, new tire, new stove, we would be screwed. So, I am wondering if I should start applying for some?

[whipster1]

I waited till discharge to apply, but I guess you could apply and see what happens.

[2manybills]

When we transferred our money to the Credit Union prefiling, they gave us a credit card at 10%.

We've just started using it very little over the last month and a half. We'll charge a tank of gas and I transfer the money over within a day or two to pay for the balance.

[ready2live]

We are leasing a car after turning over 2 cars, so our lawyer said that will help with our credit. We did that the day we filed, so the BK was not on our credit yet.

[Juls]

Does the IIB show on your credit report before a discharge?

I am asking because I would think if it's not until after discharge you would get a better fico score once it shows and your chances would be better so you might want to wait.

Juls

[nulifeahead]

I just received a letter from a store credit card ( that I didn't remember having) that due to an inactivity on my card they have lowered my credit limit to $400! I think that is kind of crazy and just goes to show that even while in bankuptcy you can still get credit and I can see why people can get themselves in trouble again! I have been credit card free for 21 months!!

[Chowder]

Does the IIB show on your credit report before a discharge?

It did here. On all three.

[ready2live]

Mine also.