Five months after discharge and in addition to Orchard and Household Bank credit cards, Capital One extended credit to me. Why are they being so accomodating. Is it that I am a better risk now that I can't go chapter 7 again?
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Did you include Capital one in your bk, I had 2 cap one accounts in bk so doubt that I will get any offers from them. -
mark, ive posted several articles on how the creditors need their customers back badly. yes the article confirmed what i guessed beforehand that bk filers are a better risk since they cant file bk for 8 years now instead of 6.
the longer you wait the better the cards will get. be selective since you already have some cards and are building your credit.Im not an attorney or a trustee. You cant trust me either though!
[x] - Done with 341? Join the 60 Day Club! ___________[x] - Im Discharged! Whoo Hooo!
[x] - Poll: Should I File Pro-Se ____________________[x] - New BK Law: Median Income, Means Testing and Presumptive Abuse
[x] - Zombie Debt Collectors Dig Up Your Old Mistakes _-[x] - Bankruptcy Law Resource
[x] - Need A Fast Answer? Available 24/7!--__________[x] - Dont Be A Hero On Your Budget - You Wont Get An Award!
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Thanks. Can you send me the link to the articles?Comment
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look in the general bankruptcy category.
Im not an attorney or a trustee. You cant trust me either though!
[x] - Done with 341? Join the 60 Day Club! ___________[x] - Im Discharged! Whoo Hooo!
[x] - Poll: Should I File Pro-Se ____________________[x] - New BK Law: Median Income, Means Testing and Presumptive Abuse
[x] - Zombie Debt Collectors Dig Up Your Old Mistakes _-[x] - Bankruptcy Law Resource
[x] - Need A Fast Answer? Available 24/7!--__________[x] - Dont Be A Hero On Your Budget - You Wont Get An Award!
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bkf are you saying that even if you bk'd on a creditor that they might still offer you a cc at some point?Comment
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sure. and even more so now with the need they have.
prime lenders are less likely so i wouldnt count on it. and some just have a policy to not do it. but it doesnt matter. we aint gonna use credit like that anymore so we could care less actually right?
we just wanna build credit and go on with our lives is all. maybe buy a house in the future.Im not an attorney or a trustee. You cant trust me either though!
[x] - Done with 341? Join the 60 Day Club! ___________[x] - Im Discharged! Whoo Hooo!
[x] - Poll: Should I File Pro-Se ____________________[x] - New BK Law: Median Income, Means Testing and Presumptive Abuse
[x] - Zombie Debt Collectors Dig Up Your Old Mistakes _-[x] - Bankruptcy Law Resource
[x] - Need A Fast Answer? Available 24/7!--__________[x] - Dont Be A Hero On Your Budget - You Wont Get An Award!
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True, I am not applying for any credit anytime soon, I just wondered if I was out of luck for the next 7 to 10 years on the folks I bk'd.Comment
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no no no no way. after 3 years, 5 max, they will all be back depending on your credit score.
you dont understand just how much they make off of you. 10 to 20% extra off of everything you buy per year? you are like a little piggy bank for them.Im not an attorney or a trustee. You cant trust me either though!
[x] - Done with 341? Join the 60 Day Club! ___________[x] - Im Discharged! Whoo Hooo!
[x] - Poll: Should I File Pro-Se ____________________[x] - New BK Law: Median Income, Means Testing and Presumptive Abuse
[x] - Zombie Debt Collectors Dig Up Your Old Mistakes _-[x] - Bankruptcy Law Resource
[x] - Need A Fast Answer? Available 24/7!--__________[x] - Dont Be A Hero On Your Budget - You Wont Get An Award!
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Ewww... that word piggy brought back traumatic images for me. (toes, piggy's)
However, I don't want to be those scumbags piggy banks. I see what you mean though. For now it will be house and student loan payments getting my credit score up.Comment
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I was amazed that I got a capital one offer and got it approved in the mail today with a cl of 3000.00. I only applied for it on Monday was just discharged on 1-13-06. I only plan on using it for gas and paying it off every month but am happy to have it.Comment
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very nice!Im not an attorney or a trustee. You cant trust me either though!
[x] - Done with 341? Join the 60 Day Club! ___________[x] - Im Discharged! Whoo Hooo!
[x] - Poll: Should I File Pro-Se ____________________[x] - New BK Law: Median Income, Means Testing and Presumptive Abuse
[x] - Zombie Debt Collectors Dig Up Your Old Mistakes _-[x] - Bankruptcy Law Resource
[x] - Need A Fast Answer? Available 24/7!--__________[x] - Dont Be A Hero On Your Budget - You Wont Get An Award!
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Thats awesome. But what about the alcohol and casino action? You've gotta live it up a lil you know! ( ok bad joke )Originally posted by clb123Comment
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read the fine print in your agreement. Several CC's are now writing in their contracts that by accepting the new card, if you have any old debts with them, even ones included in bankruptcy, you are responsible for that old debt with the acceptance and use of the new card.Comment
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Wow is that legal? I did not have a capitalone card so I am not concerned but that does not seem right?Comment
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