"Approved After Bk7"

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Written by: snikda on 2009-09-21

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snikda's review: Applied 9/12/09 received card today. Got 7-10 day message. $2000 credit line. Not sure about annual fee or interest rate. Pulled TU 631. bk7 discharge 8/2009. Had perfect credit until husbands business went bad. Started applying after discharge mid aug. Received orchard platinum $500 cl instantly. Indigo card $300 cl, took about a week. Both have annual fee. After reading reviews and application status got the courage to try for Hooters. Was just hoping for approval considering bk7. So excited for $2000 cl. Huge safety net after starting over with nothing. Plan on small usage and paying off and total rebuilding. No more apps. now for quite a while. THERE IS HOPE AFTER BK!!

5 Comments

Comment 1 by wanderer
Hooters MC CONGRATS! on 2009-09-22

Feel your pain! Congratulations!! I am eight years out of a BK7 and still have banks look at me like a diseased animal. NOT fun! Glad you got a decent CL for the unknown and traveling!
Comment 2 by colonative
Congratulations on 2009-09-22

Not a bad limit at all for a March bankruptcy filing.
Comment 3 by coolkidny
Re: Approved After Bk7 on 2009-10-03

I applied for the card on September 25th and received the 7 to 10 day message. Today. October 3rd, I received the card with a $600 dollar limit, no annual fee and 16.70% APR. This card will be replacing my PayPal plus Mastercard.
Comment 4 by louise
Re: Approved After Bk7 on 2009-10-13

Congratulations! I know how you feel... I have been in your situation. Discharged 06. Great Card. They periodically review your account and will give incremental credit limit increases. Just pay your bill on time.
Comment 5 by ajhno
Re: Approved After Bk7 on 2009-12-14

Wow, good for you. I had a 625 TU FICO and no BK (I guess they'd sometimes prefer a recent BK to a few 5-year old COs) and I got my $300 CL today. And I got the same ORchard card with $300 CL. I'm ealous
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