mrbill

What was your fico scores at the time you we're approved for your cards? My score on Equifax was about 660 at the time and at about 10% utilization. BK 7 that was about 5 years old at the time.

YMMV but when I joined my income was 60k and they gave me 2 10k cards. I called for CLI at the 7 mo mark and got them both bumped to 15k..GOOD LUCK!!!!

I noticed on a couple of local CU websites that they are advertising permanent FIXED rates on credit cards. One of them is 9.9% and it says regardless of your credit score (10k max limit). I wonder why some of our favorite CUs like JFCU, NFCU, or Penfed didn't stick to their fixed rates? GREED? Just Curious

Maybe CITI?...I just got an instant approval the other day and they pulled EQ.

I wouldn't say that they are totally BK unfriendly. I think it depends on the age of the BK. I have a Chapter 7 that is 7 years old now and I recently got an INSTANT approval for a CITI card! It was a low limit compared to the rest of my file but an approval none the less.

I just bought a new TUNDRA 4x4 2 weeks ago and they rolled about 3k from my other loan!!!!!...I got the 0% deal, paid nothing down and I have a 670 eq fico!!! GOOD LUCK

Congrats...NFCU is awesome...NO DOUBT!!!

I must be in a small group cause I have had ZERO problems with JFCU..I have been a member since 07 and in the beginning I had to jump some hurdles to become a member, but after the initlal joining they have been awesome..I refinanced my auto loan (April 2008) through JFCU (5.4%) and they beat NFCU (7%) on rate with the same FICO...I think most complaints about them stem from the CB EFFECT that happened a few years ago...Hey you guys I know of a new CU lets all go join today!!!!...LOL......Also search through the PENFED threads and see how many you find that says they were turned down for credit with over 700 FICO, 0 inq, and low to 0 utilization...Penfed is very conservative but I have no doubt that they would be good to u if u ever get them to let you in on the frontline...GOOD LUCK

No I haven't called yet and I have had a mortgage the entire time I 've had the card...I was just missing one from my reports over the summer while my property was being renovated and Modular home was being built.. My mortgage just closed back in Oct. and is not on my reports yet...I am not real concerned as most of my CCs are with CUs....

yes it has a $1000.00 balance on it now at 1.9%...

Well I got a letter in the mail from CRAPITAL ONE...They lowered my 4 year old card from $9150 to $1500..they are citing no mortgage account ( new one not reporting yet) and inquiries ( no more than usual)....I am thinking about using it for toilet tissue and mailing it and the card back to them.

Thanks Trevor.... I hope you're right......I was just wondering if any of the CB members that have experienced CLDs, RJs, and account closures from BOA have other accounts like mortgages with them...