StantheMan

See if your Venture has the 0% for 12 months with the 3% fee and open a 360 account which pays .85%. Transfer the $7000 to the 360 and pay monthly from that account. With a 34k limit your scores won’t take much of a hit.

Of course YMMV but my personal experience with EQ was simple. Had all third party LN, Innovis, Sagestream etc. frozen. My file date was off by a month and mailed a dispute stating never filed BK on that date which was verified Called and the agent naturally said it was verified by the court. Asked for a supervisor and she repeated the same and I advised her the court told me they don’t verify such info. Requested to speak to her superior. Was transferred to Atlanta and was shocked when the person who answered said “you’re right this BK is not correct” and deleted while I was on the phone. He wished me a nice day and the BK has been gone since.

Was thinking along those lines but I’d rather build up AAoA and pick and choose as time goes by. Not eligible for Navy and the rest are Meh. I would hope to remove the BK after the IIB’s age off and even if unsuccessful would imagine after 6 more years my file would justify most non blacklisted cards. But thx for the thought.

Approximately 4 years ago I filed for BK. I immediately began rebuilding and have obtained the following: A bunch of Cap Ones: 80k Two Pen Feds : 50k HSBC: 16k Sportmanns Guide: 13k Cathay Pacific: 7k Overstock: 19k Citi AA (slipped thru the cracks) 12k BBVA: 4k Merrick no fee: 2.5k Fifth Third: 15k I included all the majors in BK for a good amount and don’t expect to be approved anytime soon with the exception of Amex in about a year which wasn’t included. Equifax clean ~ 800 TU and Ex ~ 700 IIB accounts fall off in 2 years and of course the BK not for 6. Own my vehicles and home free and clear with a decent income. Is there anything else I should be doing except PIF and bide my time? Thx for any input.

Have you had any AR’s with TU or EX since you have had the card? So far none for me but fear if one is done my AA card will be shut down due to BK.

Thank You Hege. It’s a small miracle considering I burned them for the same card. I feel there is a flaw in their UW rather than let bygones be bygones in regards to a forgiving attitude. Wouldn’t be shocked if the account was shut down after an AR.

Thanks Shifter. Your experiences has mirrored mine in many ways so I do follow your rebuild.

Called Citi today and was told approved with a 12,500 limit. Never thought Citi would be so forgiving at this stage of the game and somewhat leary that the approval will stick.

I have 3 locations within 10 miles of me and they are actually quite nice with a happy hour during weekdays where if you bring your own mug you get one coffee for free.

Your approval is encouraging so I’ll comply with Citi’s request and hopefully have the same success. Thx for the replies.

EQ is clean and IIB for ~15K. If TU and EX was frozen and remains so BEFORE I applied Citi can AR?

I included Citi in my Chap 7 three years ago and assume I must be blacklisted. I have Ex and TU on ice but have a clean EQ with a 798 Fico 8. On a whim decided to apply for the Citi AA figuring I have nothing to lose since I'll either be declined for frozen CR's and or blacklisted but maybe a EQ will be pulled and I can slip thru a crack. Received a pending notice and no CR was pulled. Three days after applying got an alert for a EQ inquiry and the app is still pending I called and was told some docs were required to complete and a letter will be forthcoming. Recieved the letter today with a 4056 T form. It is a little invasive but would be willing to submit IF I thought that my past history would not be an auto decline after all. Also a fresh pull may be needed. Any thought on my chances. Thx

Good to know and leaving 5k on the older acccount is a probably a wise thing for the sake of the AAOOA. Thx.

I got the old PenFed Amex over a year ago with a 20k CLI. Yesterday I saw I was pre approved for all their cards for 30k. I went for the Pathfinder and was appproved. Since the old card is useless can I take the limit from the old card and combine to a 50k one as soon as the new one is activated?

I have a checking account with WF and constantly get mail solicitations and calls from them even though I was declined instantly a year ago for BK from EX. I do have plenty of revolvers from the usual suspects with good limits and oddly enough banks like 5/3 and BBVA who checked TU and EX also with 15k+ limits. Penfed (The old Travel Rewards) and HSBC pull EQ and after opening a checking account gave me an Advance MC with $20k and $16 respectively. Cap1 is nuts. In the last 3 years I’ve churned 4 Ventures and 2 QS’s. I now have 3 cards after combo with near 80k in total limits after burning them for a good amount. As for the prime ones biding my time may have to be the M.O. unless another door opens.