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Credit after B/B

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    Credit after B/B

    I am looking for an unsecured credit card with no registration fees or annual fees. That will provide me FICO scores, It needs to report to all three credit Bureus

    I filed B/K in 2016. I do not care about my credit line

    Chris

    #2
    It will certainly depend on your FICO score at the time of applying. I like the Citibank Hilton Honors VISA Signature card at 15.74% (no balance transfer offer, no annual fee). I also have the Citibank Diamond Preferred Mastercard at 13.49% with no annual fee and a 0% purchase and balance transfer period of 21 months.

    Interest rates and offers will vary. You need at least a 680 FICO (Score 8) to probably get those rates or those cards.

    You may also look at "more" BK friendly issuers like Barclays and Capitol One.
    Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
    Status: (Auto) Discharged and Closed! 5/10
    Visit My BKForum Blog: justbroke's Blog

    Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

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      #3
      I just finished B/K in July of 2016. I have no credit cards now. This is my first step

      Chris

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        #4
        Look into Capitol One. They have a prequalification tool although I don't know if that tool is accurate. Maybe some one else has other suggestions for a "recently" discharged person.
        Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
        Status: (Auto) Discharged and Closed! 5/10
        Visit My BKForum Blog: justbroke's Blog

        Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

        Comment


          #5
          Thank you so much. Their fees is my concern. I may have to pay for some. I am at the thinking and looking stage right now

          Chris

          Comment


            #6
            You have to start somewhere and you may need to "pay" a little to get there. Many people, who have stood in your same shoes, went the route of a secured card as their first foray back into the credit jungle. After having that secured card for 6-12 months, they then forage their way deeper into the jungle and go for an unsecured card.

            Of course, you mileage, hence your journey, may vary.
            Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
            Status: (Auto) Discharged and Closed! 5/10
            Visit My BKForum Blog: justbroke's Blog

            Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

            Comment


              #7
              Also check out a service Discover is offering everyone -- whether or not they have a Discover card -- that provides free FICO scores.

              Comment


                #8
                Thank you for your help.

                Chris

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