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

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as 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: (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 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

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 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

Recommended Credit Cards

This is a sticky topic.
  • Filter
  • Time
  • Show
Clear All
new posts

  • Merrick bank is hooters card


    • I am six months out of discharge (Dec. '11) and have gotten credit solicitations from Cap One almost since the first month... the latest one offered a CL of $3K with 0% until Feb. '13, then "22.9% variable" after that. (And since I haven't applied I understand it's not automatic to be accepted.)

      Apologies that I have not read thru this entire sticky, but is it absolutely unheard of to get a FIXED interest rate after BK?? I understand that it shouldn't matter if you pay off the card each month...but it does irk me.

      I have only my debit card on my checking account and I get paid only once a month...a credit card would be nice for that last week when I'm low on funds and there's a surprise -- like the $500 or so of car repair I'm going to need -- or the doc/medical co-pays -- but just wondering if I'm waiting for a CC offer thatn will never come??



      • Hello every one I am new here, but I sought out a BK forum just so I could share the exciting news I just got. My husband and I just went to our 341 meeting last week, and we officially filled (per my CR) on April 3-our attorney was very slow moving. Any who I pulled my CR just about 30 mins. ago to see what it looked like and my score is a 547 and all I have are $50,000 in student loans in good standing. So I thought that I would try my luck at applying for a CC since I had heard on another BK forum last year that you could start fresh with Cap One even if you had them before and they were part of your BK. Although I never had a CC with Cap One and no more than a bank account with them when I worked in the back office for them once years ago I thought I would apply anyway just to see where I was at. So I compared 3 of their cards and chatted with the online rep and he said that I could only likely get the "secured" CC with them. I went ahead and took the risk and applied for the Platinum Mastercard CC that has a 24.99 APR $0 intro annual fee for the first year and $19 annual fee per month after that.
        I was sitting waiting for the 60 second approval and was so shocked when (what seemed like-5 minutes to forever) it came back in big green print that I was approved and with a $300 starting limit!!! So I hope that this helps to encourage someone who is trying to reestablish themselves in the CC world. I will cherish this card I may apply for a VISA from somewhere else by the end of the year, but that is my limit and I have no plans of ever getting a department store credit card except may be Wal mart. These will be my only 2 if I don't get a limit increase on this first one towards the end of the year other than that I am so satisfied for this second chance especially since the first time around most of my dead pre BK was medical bills for lack of insurance.


        • You're not even discharged yet. Did someone tell you it was a good idea to apply for credit before discharge?


          • No I have heard others say that it was told to them by their attorney to apply for something. But I saw my credit score and decided to give it a try. My BK did not involve any CC debit mostly med bills so I took it upon myself to go for it and it worked out. I was just sharing my experience and in no way am I advising anyone do what I have done. It is just to say that BK is not the end of the road and it is not set in stone that you can not obtain "real credit" post BK or post discharge either. PS my attorney emailed me that the Trustee closed everything and stated no liability in my case so the discharge is just a paper I am waiting on. I have no plans for any major purchases in the near future either ie, car etc. not interested in any of that anytime soon. Thanks.


            • Well guys I have been hunting for a credit card and I have found that I should look for a secured credit card first. So after hunting for a while I have found one that the APR is at 17.99%, Annual Fee of $19.00 and the report to all 3 credit reporting agencies. I have been a bit nervous about it but just submitted the application and now waiting for approval. its from First Bankcard (a division of First National Bank of Omaha) . Now waiting for a response. Chap. 13 date Filed12/06, date discharged 1/13 .


              • Wells Fargo has a secured card with an annual fee of $25.
                First I got a limit increase to $700 (i.e. 200 unsecured on top of 500 deposit).
                Then shortly after the 1 year mark ,they converted to unsecured.
                Then recently I got another increase to 1100.
                You have to have a WF bank account and then from the online screens you can submit an app and they will take the deposit money straight from the bank account.
                filed chapter 13..confirmed...converted to chapter 7...DISCHARGED!


                • Update: got Barclaycard US airways card about month or two after discharge, basically matched my highest open account limits with Wells Fargo.
                  A few months and a few $k of spending later, apply for $1000 boost from Barclay and I'm approved.
                  filed chapter 13..confirmed...converted to chapter 7...DISCHARGED!


                  • Another update: cap one $300 limit card with $59 annual fee, got a limit increase to $500. (I am only discharged less than 6 months ago). So I then apply for Cap One Quiksilver, and they match the higher limit on my Barclayscard and round it up to $3000. Cap One showing me some love!
                    filed chapter 13..confirmed...converted to chapter 7...DISCHARGED!


                    • Other cards approved for : Cabelas ($500)
                      Declined: Bass Pro (turns out it's FIA card services), all Chase deals, all Citi deals, 0% financing for a mattress shot down by GE MB.
                      Approved for $300 by Macys but wanted like a $6k-8k bed so thanks but it doesn't help.
                      filed chapter 13..confirmed...converted to chapter 7...DISCHARGED!


                      • I am thinking of adding another secured card
                        Discharged- pro se- chapter 7~!


                        • Originally posted by anykey View Post
                          I am thinking of adding another secured card
                          Wells Fargo is good but you'll have to open a checking account first. I don't think you need to keep it open.
                          Spend as much as you can and make frequent payments and you can get limit increases and eventually unsecured.
                          Also Kohls card is pretty easy to get too (unsecured)
                          filed chapter 13..confirmed...converted to chapter 7...DISCHARGED!


                          • Based on recommendations in this thread, I applied for the Barclays Reward Mastercard.

                            They pulled TU. I won't pay for my FICO, but Credit Karma's TU FAKO says 703. I'm about 6 month post-BK.

                            Approved for $1,500.
                            Chapter 7, above median, no asset. Discharged with no UST involvement.


                            • Originally posted by TXskyblue View Post
                              Based on recommendations in this thread, I applied for the Barclays Reward Mastercard.

                              They pulled TU. I won't pay for my FICO, but Credit Karma's TU FAKO says 703. I'm about 6 month post-BK.

                              Approved for $1,500.
                              Barclays now provides a monthly TU Fico score.


                              • Hi,

                                We just applied for an received our first, and only CC post Ch. 7. Discharged October 2012, capital one $3000 limit. 0% until sometime this fall. Going to use for reimbursable business expenses/conferences.

                                I was surprised!



                                Unconfigured Ad Widget