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Which credit card is better?

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    #16
    The wife was approved yesterday for the Cap One no annual fee platinum card. This was same card i was approved for a week ago. In our case it was better to apply via the pre-approval offers in the mail that stated no annual fee. We did try going directly to Cap One site and seeing what we qualifed for via the soft pull of credit. The cards offered all had annual fees, but in some cases a lower interest rate. We ended up then just applying via the pre-approval offer online and preferred the no annual fee. That way we don't have to ever close these accounts since they will now be our first and oldest. Thanks to all who helped and guided us toward the best bk friendly cc offers.
    Discharged Chapt 7 on 7/7/10.
    Scores as of 7/12/11: EQ Fico 653; TU Fico 644; EX Quizzle 652
    Only card right now is Cap One $2500, no AF, approved 12/4/10.

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      #17
      I just applied for a Capital One and was approved instantly for a $500 limit with the 0% interest until 2011; unbelievable! So now I'll have my car and a credit card with a low limit to help me rebuild my credit....excellent!!
      Filed Chapter 7: 8/11/2010 341: 9/13/2010 Done!!
      9/14/2010 Trustee Report of No Distribution
      Discharged 11/15/2010 Closed 11/18/2010

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        #18
        For me Orchard is bad credit card I have ever had.They charged me $74 a year which is very high.I have a bad credit so i paid it.
        Payday loans

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          #19
          Got the Cap 1 card yesterday. $2000 limit. Pretty good for the first card. I plan on buying just gas on it every month and then paying it off in full by due date. Any different suggestions on how i should use it or is the best way to just make gas type purchases, not go over 50% usage and pay off in full each month?
          Discharged Chapt 7 on 7/7/10.
          Scores as of 7/12/11: EQ Fico 653; TU Fico 644; EX Quizzle 652
          Only card right now is Cap One $2500, no AF, approved 12/4/10.

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            #20
            what i had read somewhere is to not go over 30% usage.
            Good luck!
            filed: 8/10 ...341:10/8/10 ... Discharged & Close: 12/9/10
            "Nothing is easy to the unwilling" Thomas Fuller

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              #21
              I took a credit report class when I worked for a mortgage company and they also stated to not go over 30% usage.
              I may be smarter than an attorney, but I'm not one. No legal advice here, people.
              Filed Ch. 7 pro se on 10/22/10 341 on 11/19/10 Report of No Distribution Filed on 11/19/10 Discharged 1/19/11 Closed 2/2/11

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