Credit Score:
580
Credit Limit:
300
Age:
25-34
Income On Application:
$55000
Posted 08/14 2020
My credit was not in the best of shape before Covid 19 and since the pandemic hit, I was fortunate to be considered an essential worker and had a job. My income was ok as well. I decided to really work on my credit and decided to get an unsecured credit card. I got rejected by Credit One and even First Premier. After getting pre-approved, I pulled the trigger and got approved. My annual fee was $75.
My score jumped 25 points after I got approved and they do report after the first statement. They also do bill you the annual fee on your first statement. Like others have said here, there is no phone app and the website is dated. But after using this for a few months, my score has improved and it is now about 630. I do charge about $58 a month (my hulu bill) and pay it off every month.
Credit Score:
560
Credit Limit:
300
Age:
35-44
Approved
8 months after Bankruptcy
Income On Application:
$60000
Posted 07/09 2020
I got of bankruptcy during May, at the height of Covid 19 and I lost my job. I took unemployment for a while but managed to get a job in July. My score coming out of BK was 560. I decided to go straight for an unsecured credit card rather than a secured card and decided on Milestone.
I tried the pre-approval and did get pre-approved indeed. Then I decided to pull the trigger and got approved. My annual fee was $35. They billed me that amount during the first billing statement. So far this card has been ok. Like almost everyone here has said, their website is dated and they have no app. But they still approved me after BK and only a short "recent income" history. So I am grateful.
Credit Score:
497
Credit Limit:
300
Age:
35-44
Approved
3 months after Bankruptcy
Posted 05/04 2017
I got this card three months after my BK was discharged. I was approved for a $300 CL and a $99 annual fee. The card took a few weeks to arrive and once I activated it, I was sent my first bill with the $99 annual fee on it. I pay it off immediately. I checked my scores and they also went up about 25-30 points pretty quickly. I have been using the card for one and a half years and my score has steadily risen to about 585. I also managed to get a Fingerhut and a sears store card as well.
Credit Score:
505
Credit Limit:
300
Age:
35-44
Approved
2 months after Bankruptcy
Posted 01/28 2017
I got this card about 2 months after my BK was discharged. Before that, I got approved for Cap One secured and Opensky. So this was my first "unsecured" card. These 3 cards helped me rebuild and after 2 years, my score has risen over 100 points. All I do is merely put about $30 each month on each card and pay it off in full. I send my checks early to make sure I am never late.
I have since gotten 2 capital on cards and a couple of store cards. I have also canceled all 3 cards that I got earlier since I do not want to continue paying those annual fees.
Credit Score:
512
Credit Limit:
300
Age:
35-44
Approved
4 months after Bankruptcy
Posted 12/12 2016
I got the milestone about 4 months after my bankruptcy was discharged. My annual fee was $99 and the credit limit was $300. After the card arrived and was activated, I got the first bill with the $99 AF on it. I paid it off immediately so I had the full $300 limit. I checked my credit report after I got approved and saw about a 25 point improvement in all my scores. I used the card to very little (about $15 to $25) a month just to put something on it. I PIF every month as well. Not long after I got this card, I also applied and was approved for fingerhut and a credit one. The credit one came with a $75 AF.
After about a year, my scores had improved from 512 to 605. Since I had 3 cards, I cannot really attribute this solely to milestone. I never had any problems with the card though I did notice that like what others have said here, they do not increase your credit limit. My fingerhut started at $250 and now it is $750. Credit one started at $300 and after six months, they increased it to $500.
My goal is to get a couple of no AF cards and then cancel both this card and credit one. Fingerhut has no annual fee, so I'll probably keep that for a bit.
Credit Score:
493
Credit Limit:
300
Age:
35-44
Approved
3 months after Bankruptcy
Income On Application:
$55000
Posted 09/11 2016
I applied 3 months after my chapter 7 BK. Got approved for $300 and it came with a $99 annual fee. I never had any problems with the card. I charge $20 a month to the card and pay it off in full. I have had it for a year and a half and my score has increased 70 points. I have not had any credit increase though. From my experience, this card is definitely BK friendly.
Credit Score:
525
Credit Limit:
300
Age:
35-44
Posted 05/03 2016
Got approved with a $75 and $300 limit. I only charge about $25 a month on the card and PIF. After I got the card, my scores went up 35 points. After another 7 months, they went up a further 50 points across all 3 credit bureaus. I was then able to get a Capital One and even a barclaycard. This card has served it's purpose and I will be cancelling it.
There are some things that will put folks off. For example, they may put a payment hold for 7 days. They do not have autopay and they also have no app. Website is clunky to say the least.
Credit Score:
612
Credit Limit:
300
Age:
35-44
Posted 04/17 2015
Applied and was approve but got the card is a couple of week. Annual fee post straight away on the first bill and is reported to the bureaus if you do not pay it off.
The good:
1. easy to get
2. no issues with payment
The bad;
1. I have not gotten any credit line increases.
bottom line is that if you pay your bills in full, then there will be no problems. My score improved a lot with this card and a fingerhut.
Credit Score:
545
Credit Limit:
300
Age:
35-44
Posted 12/04 2014
I spent hours looking at other cards and I decided to get this card. I have bad credit, so low limits and high annual fees appear to be part of the deal. This card is better than cards like Total, First Access, Surge, Verve and 1st Premier. These cards all charge monthly maintenance fee and processing fees.
Stick with this and maybe a fingerhut or credit one and you will build up your scores again.
Credit Score:
562
Credit Limit:
300
Age:
35-44
Posted 05/26 2014
Applied, was approved and the card came in 10 days. My AF was $75 and my limit was $300.
The bad thing about this card is that there do not give you any credit increases.
Requirements 
Requirements 
.jpg)
.jpg)
.jpg)
