I didn't; this sounds bizarre.

It depends...

Regarding CapitalOne...

• I applied for my 1st CapOne card (Quicksilver) less than a year after my discharge and got a $3,000 starting limit.
• I applied for my 2nd CapOne card (SavorOne) several months after my bankruptcy fell off my reports and got a starting limit of $

...

I just looked at the "Purchases" interest rates of all of my cards, here they are ranked from lowest to highest:

• PenFed Platinum Rewards: 17.99%
• CapitalOne SavorOne: 26.99%
• TDBank TDCash: 28.24%
• Chase Sapphire Preferred: 28.24%
• Chase Freedom Unlimited: 28.24%
• CapitalOne Quicksilver:

...

My PenFed card has the purchase APR at 17%; oddly enough it is by far my least used card these days (only one small charge over the last 12 months)....

The other side of the coin is 30% is pretty typical these days, that and if you keep it paid off, then the interest rate is irrelevant, even if it was something like 75%.

Your attorney is the most appropriate next step; contacting the Trustee will most likely get you directed back to your attorney.

What's on your mind?

Asking for a CLI varies by financial institution; some have fixed time frames for asking, some don't. Some hit you with a hard pull on your credit, some don't. Some do auto-CLIs (unrequested CLIs with no hard pull), some don't.

That's more of a question for your attorney; for some plans, yes, for other plans, no.

dixon10, have you tried Discover and/or PenFed?

There is no way any of us could suggest what your payment might be with any accuracy. It could be $1.00 per month, it could be $900; that will be for you, your attorney, and the Trustee to hash out.

Talk it over with your attorney, the job of your attorney and the Trustee is to make you successful in getting through a Chapter 13; it won't be fun and there won't be a lot of spare cash, but it should be manageable.

Welcome to the forum.

It depends upon your definition of "recover". The fact is, you can buy a car not long after your discharge, but you will be on the hook for a high interest rate. As for a home, there are lots of guidelines on getting a mortgage after a bankruptcy, assuming a Chapter 7 here, as a general...