I got a pre-selected card offer in the mail yesterday for an unsecured platnium mc ($59 annual fee, no other fees). My middle score is only 512 right now and I'm still waiting on my discharge. Are these people out of their minds? Anyway, can I even get approved for a card before my discharge goes through?
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Filed Pro-se: 01/18/06
341 meeting: 02/14/2006
Objection Deadline: 04/17/06
Discharge: 06/13/2006
Closed: 06/21/2006
Credit cards
06/25/06, reopened a Discover that I closed before my bk, $1500 limit
July 2006, Target Redcard $200 limit
August 2006, Hooters MC $1750 limit -
You can. I did as well as many others. But for you, I don't think its a good idea at this point being your discharge has already been delayed over a month. -
Being "pre-selected" doesn't mean you'll actually get that card. Be careful what you apply for. Best of luck!Yo ho, Yo ho, a pirates life for me
Discharged 9/1/04Comment
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I recommend not taking the card.
In my case I waited about 5 months and cleaned up my credit report. I noticed about every two months the Capital one offers lowered their annual fee. Eventually I got a preapproved offer for a no fee cap one card. Since then I have received a no fee hooters card, a no fee target card, a no fee GEMB bank "care credit" card, and I just got approved for a no fee Racetrack (Juniper) card.
There is no reason to pay an annual fee. If you just hold off you will be glad you did.
Also, I would hold off until after the discharge just for good measure.Comment
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