We got new credit in a second!! Unsecured! Wow

[ccsjoe]

Way to go tobee. I'm hoping for similar as I have no lates or any other derogatories reported pre-bk.

[backtoschool]

after being discharged, i really thought i would wait it out about 6 months or so to apply for any credit. we had toss the topic over and over again.

one of us believes we should never have it again....and one of us KNOWS we need to get a mortgage again (guess which one I AM!! LOL!!).

ok so i did it.......i could not believe it...capital one...

we just got the answer this morning...we each applied separately we BOTH got unsecured cards....first SHOCK....

one of us got $1500-UNSECURED
and the other got $1300-UNSECURED

annual fee is $39 each.

both cards are 12.99%...so although that's high it's better than 39.99%!

i'm still floored...it's just been over 2 months since our discharge.

the only thing we can think of, is our credit cards didn't have much time to report late since we paid up until we filed....

neither of us wants credit ever....but we have an 11 year car....and we are going to have to get a mortgage so whether we like it or not it HAD to be done. so i'll use them for grocery shopping and then pay them right off...just to get some credit back on our report.

is this usual????

This is an excellent way to rebuild! Capital One has been very good to me. If you use the card and pay it off for several months, you will be able to get a good car rate from them as well.

[tobee43]

after being discharged, i really thought i would wait it out about 6 months or so to apply for any credit. we had toss the topic over and over again.

one of us believes we should never have it again....and one of us KNOWS we need to get a mortgage again (guess which one I AM!! LOL!!).

ok so i did it.......i could not believe it...capital one...

we just got the answer this morning...we each applied separately we BOTH got unsecured cards....first SHOCK....

one of us got $1500-UNSECURED
and the other got $1300-UNSECURED

annual fee is $39 each.

both cards are 12.99%...so although that's high it's better than 39.99%!

i'm still floored...it's just been over 2 months since our discharge.

the only thing we can think of, is our credit cards didn't have much time to report late since we paid up until we filed....

neither of us wants credit ever....but we have an 11 year car....and we are going to have to get a mortgage so whether we like it or not it HAD to be done. so i'll use them for grocery shopping and then pay them right off...just to get some credit back on our report.

is this usual????