Comments on: Which Credit Cards Are Easiest To Get After Bankruptcy? http://www.askmrcreditcard.com/creditcardblog/which-credit-cards-are-easiest-to-get-after-bankruptcy/ Latest Credit Card News, Reviews and Information Sun, 21 Mar 2010 08:06:43 +0000 http://wordpress.org/?v=2.9.1 hourly 1 By: Alex P. http://www.askmrcreditcard.com/creditcardblog/which-credit-cards-are-easiest-to-get-after-bankruptcy/comment-page-1/#comment-122789 Alex P. Mon, 01 Mar 2010 08:32:33 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=5471#comment-122789 Mine bankruptcy was discharget 01/28/08.Credit repair syeps looked like these: 1. First Premier unsecured CC ( a ripoff company,but that is the first step); capital one platinum Master card;car loan $ 9k - 36 mo with ridicilous interest 18.9 $%..NO INQURIES on my own ( all was preaproved and prescreened), money in the bank( you do not depend on credit)..TodaY: car loan with normal APR- 8% for used vehicle,about 6k credit limit unsecured btw 3 CC ( Visa,2 master) , a loan paid off after 18 months ( $ 9K), ballances paid off monthly,nothing revolves on CC and 2 inquories since discharge( for 2 car loans).FICO 691 on february 6th 2010 Mine bankruptcy was discharget 01/28/08.Credit repair syeps looked like these: 1. First Premier unsecured CC ( a ripoff company,but that is the first step); capital one platinum Master card;car loan $ 9k – 36 mo with ridicilous interest 18.9 $%..NO INQURIES on my own ( all was preaproved and prescreened), money in the bank( you do not depend on credit)..TodaY: car loan with normal APR- 8% for used vehicle,about 6k credit limit unsecured btw 3 CC ( Visa,2 master) , a loan paid off after 18 months ( $ 9K), ballances paid off monthly,nothing revolves on CC and 2 inquories since discharge( for 2 car loans).FICO 691 on february 6th 2010

]]> By: Vanessa http://www.askmrcreditcard.com/creditcardblog/which-credit-cards-are-easiest-to-get-after-bankruptcy/comment-page-1/#comment-119889 Vanessa Thu, 01 Oct 2009 17:47:11 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=5471#comment-119889 I filed in November 08' and received Orchard Card in February before discharged. I too fell for First Premier, but cancelled it as soon as it arrived and required that they send me a letter stating 0 balance. My bankruptcy was discharged in July and I am looking toward getting 1-2 other cards. I found this blog by searching Target Card after Bankruptcy...because it is a card I would use and pay off each month, because my husband and I shop there frequently. (I filed as a single person due to business closure) Thanks for sharing the info! I filed in November 08′ and received Orchard Card in February before discharged. I too fell for First Premier, but cancelled it as soon as it arrived and required that they send me a letter stating 0 balance.

My bankruptcy was discharged in July and I am looking toward getting 1-2 other cards. I found this blog by searching Target Card after Bankruptcy…because it is a card I would use and pay off each month, because my husband and I shop there frequently. (I filed as a single person due to business closure)

Thanks for sharing the info!

]]> By: GJ http://www.askmrcreditcard.com/creditcardblog/which-credit-cards-are-easiest-to-get-after-bankruptcy/comment-page-1/#comment-117344 GJ Mon, 31 Aug 2009 19:33:39 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=5471#comment-117344 Wanted to say "thanks" for giving me the extra little boost of confidence I needed to go ahead and apply for a credit card. After filing bankruptcy about 1.5 years ago (discharged 2/2/09) I knew it was going to be necessary for my husband and I to get back into the "credit" game. Unfortunately, hubby wasn't quite as discerning as I tend to be and signed up to get a credit card through First Premier bank. BAD CHOICE and my advice is to stay away at all cost. They charge a fee for everything and make it nearly impossible for someone on a tight budget to get ahead at all. Before my husband even had the card in hand his balance was jacked up to $149 (nearly half of the credit limit they had given him). I was seriously considering getting a secured card as I figured it'd be the only thing I'd qualify for outside of something atrocious from First Premier. My husband and I both make a respectable salary and have always maintained our mortgage and automobile payments to the utmost but with five children, one could say we live on a pretty tight budget. While I do have some money sitting in a savings account that I was considering using for a secured credit card, I was reluctant because I'd rather have that as a cushion for us if we get into a tight spot. I applied for a card with Orchard Bank and was instantly approved for their platinum card with a respectable interest rate and a small processing fee. Wanted to say “thanks” for giving me the extra little boost of confidence I needed to go ahead and apply for a credit card. After filing bankruptcy about 1.5 years ago (discharged 2/2/09) I knew it was going to be necessary for my husband and I to get back into the “credit” game.

Unfortunately, hubby wasn’t quite as discerning as I tend to be and signed up to get a credit card through First Premier bank. BAD CHOICE and my advice is to stay away at all cost. They charge a fee for everything and make it nearly impossible for someone on a tight budget to get ahead at all. Before my husband even had the card in hand his balance was jacked up to $149 (nearly half of the credit limit they had given him).

I was seriously considering getting a secured card as I figured it’d be the only thing I’d qualify for outside of something atrocious from First Premier. My husband and I both make a respectable salary and have always maintained our mortgage and automobile payments to the utmost but with five children, one could say we live on a pretty tight budget. While I do have some money sitting in a savings account that I was considering using for a secured credit card, I was reluctant because I’d rather have that as a cushion for us if we get into a tight spot.

I applied for a card with Orchard Bank and was instantly approved for their platinum card with a respectable interest rate and a small processing fee.

]]> By: MB http://www.askmrcreditcard.com/creditcardblog/which-credit-cards-are-easiest-to-get-after-bankruptcy/comment-page-1/#comment-114255 MB Sun, 02 Aug 2009 19:46:09 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=5471#comment-114255 As someone said, Capital One unsecured credit card is very easy to get. They came to me with an offer shortly after my BK discharged. Also try Orchard Bank. I was just approved for their unsecured card. If you're aiming for a home mortgage, you need 3-5 lines of credit, so it's important to persevere. I was also advised by mortgage brokers that multiple credit checks are best done within a 2-week period, so at to have a minimal impact on your score. So apply for a couple at a time. If you're approved for one, wait at least a month to get another one. As someone said, Capital One unsecured credit card is very easy to get. They came to me with an offer shortly after my BK discharged. Also try Orchard Bank. I was just approved for their unsecured card. If you’re aiming for a home mortgage, you need 3-5 lines of credit, so it’s important to persevere. I was also advised by mortgage brokers that multiple credit checks are best done within a 2-week period, so at to have a minimal impact on your score. So apply for a couple at a time. If you’re approved for one, wait at least a month to get another one.

]]> By: Friday Links | The Canadian Finance Blog http://www.askmrcreditcard.com/creditcardblog/which-credit-cards-are-easiest-to-get-after-bankruptcy/comment-page-1/#comment-104613 Friday Links | The Canadian Finance Blog Fri, 17 Apr 2009 10:13:03 +0000 http://www.askmrcreditcard.com/creditcardblog/?p=5471#comment-104613 [...] Ask Mr. Credit Card asks which credit cards are easiest to get after bankruptcy? [...] [...] Ask Mr. Credit Card asks which credit cards are easiest to get after bankruptcy? [...]

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