Declined by Jared's and Kays WTF

[jbradley]

[Faust]

Yes, way too early.

[jbradley]

I thought that may be the problem. I just want to get my credit rebuilt asap.

[liz417]

I thought that may be the problem. I just want to get my credit rebuilt asap.

Maybe it was way too soon for credit for a jewelry store, have you tried Capital One yet? I applied about a week after discharge and was approved for a $500 limit Not much, but that's all I needed to help rebuild my credit

[jbradley]

I have not tryed them yet. I had a card with Cap one that I added in to my BK and I was not sure if they would work with me after that. Did any one else have cap one in there BK and get a card froom them after the discharge?

[rose1]

I have not tryed them yet. I had a card with Cap one that I added in to my BK and I was not sure if they would work with me after that. Did any one else have cap one in there BK and get a card froom them after the discharge?

I did. I BK'd them, then I jokingly applied for them, knowing I'd get denied, but low and behold, my card was in the mailbox. I tore the envelope open and saw the card with a $500 limit. Needless to say, I was in shock. You can also try to get a household bank card. They're pretty easy too

[jbradley]

Wow! How long after you discharged did you apply?

[Logan]

You already have 3 inquiries just 1 week out of you BK discharge. Whenever you have an inquiry it stays on your report for a few years but the first 90 days are most critical so I would maybe try one BK friendly credit card then wait for at least 90 days to apply for something else.

If I were you I would visit some of the other credit boards and see who's giving out credit. I would try to get a CC that is BK friendly and then use it for at least 3 months before I'd try to get any other credit.

good luck,

Logan

[rose1]

Wow! How long after you discharged did you apply?

I was discharged on 7/29/2009 and I applied in Late january of 2010

[Amy26]

Capital One won't touch me... they keep saying I'm denied because of deliquency with them. Apparently they aren't friendly to some people... lol.

[2manybills]

Capital One gave my husband and I each a $1000 credit limit with 0% interest for a year. No fee attached to mine and my husband's had a $39.00 annual fee.

Also, our credit union card survived so far. Whatever I charge, I pay off instantly.

[MrSmithster]

after being denied by CapOne(for BK filing), i just received a HOOTERS MasterCard, $2000limit, no fee, 23.5% interest. i was discharged in 10-09. 1 week out is to soon, and if you have mutiple inquiries, you should wait a few months before trying anywhere else. also BestBuy RewardZone MasterCard thru HSBC is known for issuing credit card soon after BK althought youll pay an annual $59 fee.

[rose1]

after being denied by CapOne(for BK filing), i just received a HOOTERS MasterCard, $2000limit, no fee, 23.5% interest. i was discharged in 10-09. 1 week out is to soon, and if you have mutiple inquiries, you should wait a few months before trying anywhere else. also BestBuy RewardZone MasterCard thru HSBC is known for issuing credit card soon after BK althought youll pay an annual $59 fee.

Thats the strange thing. I think it's the luck of the draw. I applied for a capital one card 2 months ago and got denied, then I re-appled 1 month ago and got approved. I BK'd them and got discharged on 7/2009. Now I applied for an Orchard Bank card and got denied. I tried again and got denied again. A friend of mine applied for an orchard bank card and got approved but got denied for a capital one card. I applied for a Hooters card and also got denied. It seems that some people are lucky and some just arent. The cards that I think are a "Must Apply after bankruptcy" are Capital one, Orchard bank, Hooters, Credit One. One of those companies HAVE to approve you. If not, just wait a while. If you can't wait, get a First Premier. I hate recommending them but they approve just about ANYONE. Their fees, however, are just insane and off the wall. They charge you a processing fee ($95) Annual fee, maintenance fee, fee to access your account online, fee to pay them over the phone or by check online. If you can think of a fee, First Premier charges it.

[tanya0525]

I applied at Capital One, Household Bank, and Orchard. Denied due to BK. I did get approved for Best Buy Reward Mastercard $300 limit..no AF. Also, Credit One $200 limit ..but has AF.

Tanya

[Logan]

I applied at Capital One, Household Bank, and Orchard. Denied due to BK. I did get approved for Best Buy Reward Mastercard $300 limit..no AF. Also, Credit One $200 limit ..but has AF.

Tanya

Personally I think some of you are applying for too many cards to quickly. Get one card and use it once or twice, pay it off each time and wait 6 months to apply for another card. I started with a $500 limit on my 1st card and waited 4 billing cycles to get my 2nd card. 1 year later I had 3 cards totaling over 10K of credit. What else does anyone need?

Logan