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New CC nearly 2 yrs after ch7

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    New CC nearly 2 yrs after ch7

    I am almost 2 years post discharge. I currently have a HSBC & Capital One CC's with zero balances, in good standing/history. I also paid off auto loan and student loans in the last few months. No debt.

    What are my chances of getting a rewards card or a sams/walmart discover card?

    I did have BofA & Discover in my ch7.

    I want to get a rewards card as I buy gas/groceries and pay in full every month.

    I am married now, so if I wouldn't qualify myself, if my wife co-signed would that help (she has excellent credit)?

    #2
    Discover will more than likely turn you down with a BK on your credit report. So will Chase. It can be a little more difficult to acquire the "bigger" rewards cards after BK. It doesn't hurt to try though. Don't go too crazy with credit pulls trying with different cards. If you get denied the with first couple of applications, then you know your chances may not be good. Do hope you're able to though. Nice to have something like that after BK. Kinda makes you feel a little more normal, ya know?
    Bankruptcy History:
    Chapter 7 filed - 10/12/2005 - Asset
    Discharged - 02/16/2006
    Case Closed - 11/08/2007

    A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain ~ Mark Twain

    All suggestions are based on personal experience and research and SHOULD NOT be construed as legal advice as I am NOT an attorney. Always consult with competent counsel in your area with regards to your particular situation.

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      #3
      Have your wife apply for the card then have her add you to the card once the account is open.

      Logan

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