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    #1

    Orchard Bank

    I thought I'd take a chance and apply on their website even though I'm not even 30days out of my 341 meeting.

    I applied and they suggested that I qualified for their Platinum card but with a $49 annual fee. I'll wait to see how much the credit line is first to decide if I should keep it or not. Gotta start somewhere right? I'm used to the 8% APR no anual fees before my CH7, oh well, I'm just suprised I got it
    Filed 09/18/2009
    341 10/16/2009
    Last day to object 12/15/2009
    Tags: None
    #2
    Originally posted by bxphae View Post
    I thought I'd take a chance and apply on their website even though I'm not even 30days out of my 341 meeting.

    I applied and they suggested that I qualified for their Platinum card but with a $49 annual fee. I'll wait to see how much the credit line is first to decide if I should keep it or not. Gotta start somewhere right? I'm used to the 8% APR no anual fees before my CH7, oh well, I'm just suprised I got it
    If your 341 occurred only 30 days ago, you're not discharged yet and so applying for and/or obtaining new credit is a HUGE no-no.

    You've got to get your discharge *first* before you can start applying for new credit. If you end up getting approved you better contact your attorney to let him know that you applied for and obtained a new CC.
    CH7 Filed 2/26/2009 (no asset)
    341 Meeting 4/7/2009
    Discharged 7/10/2009
    Closed 7/28/2009

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      #3
      Originally posted by cupcake View Post
      If your 341 occurred only 30 days ago, you're not discharged yet and so applying for and/or obtaining new credit is a HUGE no-no.

      You've got to get your discharge *first* before you can start applying for new credit. If you end up getting approved you better contact your attorney to let him know that you applied for and obtained a new CC.
      Yep this is right. No new credit until after the discharge.
      4/09 Converted to a Ch 7 due to loss in dh's income
      5/09 UST now involved no idea what happens next
      7/09 UST has decided to withdraw his motion to dismiss!
      7/27/09 DISCHARGED!!!

      Comment

        #4
        oh crap, time to do some damage control...thanks guys!
        Filed 09/18/2009
        341 10/16/2009
        Last day to object 12/15/2009

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