Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Credit Card Woes......

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Credit Card Woes......

    OK, so now that I'm discharged and will begin rebuilding credit again soon I have a query. The list below shows who I had accounts with and bankrupted on, so who's left to give me a card now to start rebuilding? LOL

    - BOA
    - Juniper
    - Citi
    - Target
    - HSBC
    - Merrick (although their account was 9 years old when I filed and long ago turned over to a collection agency)
    - Dell
    - Chase
    - Capital One

    I think that's it....so anyone have any suggestions?
    Filed 12/20/07 [X] 341 meeting 1/15/08 [X] Trustee Declines to Dismiss 2/25/08 [X] DISCHARGED AND CLOSED 03/19/08 [ X ]

  • #2
    Originally posted by jdmc1973 View Post
    OK, so now that I'm discharged and will begin rebuilding credit again soon I have a query. The list below shows who I had accounts with and bankrupted on, so who's left to give me a card now to start rebuilding? LOL

    - BOA
    - Juniper
    - Citi
    - Target
    - HSBC
    - Merrick (although their account was 9 years old when I filed and long ago turned over to a collection agency)
    - Dell
    - Chase
    - Capital One

    I think that's it....so anyone have any suggestions?
    Try Orchard Bank. Many swear by it as a solid credit rebuilding tool. Be sure to clean up your credit reports first, though. All your accounts should show zero balance and IIB.
    BK 7 filed and discharged in 2004 after 30+ years of perfect credit. Life HAPPENS.

    Comment


    • #3
      My husband and I each go an Orchard right at discharge, and we bk'ed 2 orchard cards. You can start there! : ) Congrats on the discharge!
      Filed CH7 - 10/13/05;
      341 Meetings: 11/28/05, 3/20/06, 12/4/07 (3d time's a charm!)
      Converted: 2/15/06 (to CH13), 10/15/07 (Back to CH7)
      DISCHARGED: 2/15/08

      Comment


      • #4
        Yes I agree with the others Orchard is a good start. Citibank will blacklst you . Capital One will give you a second chance BUT wait until you BK has been discharged awhile and then they usually approve. Try to stay away from all the fee cards like first premier, imagine, tribute etc.

        Comment


        • #5
          I recommend Orchard Bank and Washington Mutual. You will probably never be able to get a credit card again with Citibank or Chase or any store affiliated with the bank (i.e., Chase or Citibank handling a store credit card). I have heard they blacklist BK filers even beyond the 10 year mark when it comes off your credit reports.

          When/if you start to get new cards, do not every again be late with payments or have any nonpayments. Be diligent and it will pay off.
          _________________________________________
          Filed 5 Year Chapter 13: April 2002
          Early Buy-Out: April 2006
          Discharge: August 2006

          "A credit card is a snake in your pocket"

          Comment


          • #6
            Originally posted by Flamingo View Post
            When/if you start to get new cards, do not every again be late with payments or have any nonpayments. Be diligent and it will pay off.

            I'm curious - of those who have been discharged and taken on new credit, have you found yourself getting in over your head again? Do you use the card? If so, do you pay the balance each month or carry a balance?

            We have been living without credit for so long (not by our choice at first, of course ) that it's just unimaginable to think of getting more.

            ann
            ann

            Comment


            • #7
              Originally posted by ann1073 View Post
              I'm curious - of those who have been discharged and taken on new credit, have you found yourself getting in over your head again? Do you use the card? If so, do you pay the balance each month or carry a balance?

              We have been living without credit for so long (not by our choice at first, of course ) that it's just unimaginable to think of getting more.

              ann

              There was a time when I did not want to see another credit card again. However, they are a necessity in life if you want to rent a car, if you travel, need a hotel, etc. Also they are needed for emergencies. We have two department store credit cards and a Mastercard and Visa. None carry balances. We use them and pay them off immediately. The Mastercard or Visa comes in handy for car repairs or household repairs. We mostly use our debit card tied into our checking account. Before we filed BK, every card imaginable was after us as we had marvelous credit; we did not have to get them but we did; and when the job loss it, it just took us down over a year's time. We will never put ourselves in that position again and make every effort to avoid purchsing things we just do not need.
              _________________________________________
              Filed 5 Year Chapter 13: April 2002
              Early Buy-Out: April 2006
              Discharge: August 2006

              "A credit card is a snake in your pocket"

              Comment


              • #8
                Be careful though...Orchard is HSBC...same company.

                Comment


                • #9
                  Well, Orchard Bank approved me for $500 CL, $39 annual fee. That's good enough for me right now, I just wanted something to get me started rebuilding.
                  Filed 12/20/07 [X] 341 meeting 1/15/08 [X] Trustee Declines to Dismiss 2/25/08 [X] DISCHARGED AND CLOSED 03/19/08 [ X ]

                  Comment


                  • #10
                    Very good then! They are good about raising your credit limit too. My DH has an Orchard card and it started out with a $750 limit. He got it a year ago, and after about 6 months of using it and paying it down, he stopped using it all together. The balance is low, and we'd just pay the minimum or a bit more each month. Well after about 4 months of non-use and payments only, they raised his limit to $1200. Nice!!

                    Comment


                    • #11
                      Originally posted by bkdone View Post
                      Very good then! They are good about raising your credit limit too. My DH has an Orchard card and it started out with a $750 limit. He got it a year ago, and after about 6 months of using it and paying it down, he stopped using it all together. The balance is low, and we'd just pay the minimum or a bit more each month. Well after about 4 months of non-use and payments only, they raised his limit to $1200. Nice!!
                      Update to my own post... Just went online to pay my DH's cc bill...they increased the limit another $300 within the past few days. We didnt even know... Orchard has been good to us! Really!

                      Comment


                      • #12
                        I also recommend the Orchard Bank card. My husband and I each got one after filing. I also would recommend Credit One Bank....

                        Comment


                        • #13
                          I just got an Orchard card, too, post bankruptcy. Do they ever switch you over to a non-annual fee card down the road? I just hate having to pay that. But I also realize it's a necessary evil for us.
                          11/29/2007 - Filed Ch 7
                          01/08/2008 - 341 Hearing
                          03/12/2008 - Discharged
                          03/21/2008 - Closed

                          Comment


                          • #14
                            Originally posted by jdmc1973 View Post
                            Well, Orchard Bank approved me for $500 CL, $39 annual fee. That's good enough for me right now, I just wanted something to get me started rebuilding.
                            Good job! Now just use it wisely!!!

                            Comment


                            • #15
                              Originally posted by CLEAR4579 View Post
                              I also recommend the Orchard Bank card. My husband and I each got one after filing. I also would recommend Credit One Bank....

                              Credit One has VERY high signup fees!
                              Chapter 7 Pro Se....Discharged Feb. 2006

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X