Hi everyone! As you all know I was discharged from my chapter 7 in December. So when I applied for the orchard mastercard a few weeks ago I was very excited when I was approved. Well it came in the mail today and now im so scared of getting myself into another mess. I know its only a 500 dollar limit but its still scary.Does anyone have any tips or advise that they could give me? I would really appreciate any help at all. Thanks!
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It is scarey, Saucey.
You need to figure out a plan that will work for you for rebuilding.
Maybe charge something you normally buy each month. Like a tank of gasoline, a few groceries, or your prescriptions. Set aside the money for when the bill comes and pay in full. After a month or 2 of using the card, Orchard will report OK, OK, OK every month and "Pays as Agreed" to the CRA's whether you charge anything or not.Filed Ch 7 - 09/06
Discharged - 12/2006
Officially Declared No Asset - 03/2007
Closed - 04/2007
I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.
Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen... -
I totally understand how you feel...
Hi saucey,Yeah I know what you mean about being scared.I filled out two credit applications and got down to the bottom of the page and instead of pressing 'submit' I pressed 'Cancel'...I was too scared.Not about wether I got approved or not but of getting right back into the same mess I just got out of.I'm just not brave enough to apply for credit again so soon....Originally posted by saucey View Post
So I understand your fears.
Good luck whatever you decide!
DonnaDonna
Filed Pro Se August 10,2006 :cry: 341 Meeting: September 19,2006 :blink: Last Day to Object: November 20,2006 :cool: Discharged: November 27,2006 :clapping: CLOSED: December 15,2006 :tongue:Comment
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