I need a relaible card with a high limit, low annual fee, and low APR but that is unsecured? I filed bankruptcy a year ago and want to work on getting my credit score up???
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what is a good unsecured credit card to get after you file bankruptcy?
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9 Responses to “what is a good unsecured credit card to get after you file bankruptcy?”
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WOW! You don’t want much do ya!, We all have problems in life, lots of us, financial problems. If you have problems now and years past, the last thing I’d recommend is credit cards. Learn to live off cash and become a wiser money manager over the next 3-5 years, it has more benefits than credit. There are a few however that will help you but they come at a not so low apr or annual charges. Also, The up front charge on your new card will go on that card to leave you with little credit for spending. Now, if you do good with your on-time payments, pay extra every month and stay away from the maximum credit line for a year, you may find a more attractive card company in a year or so. But, don’t go getting several of these cards thinking more credit, more credit because that equals more debt. I found that First National Credit Card /Legacy Visa was pretty fair for someone in your situation. For more info. Call 18888839824, their customer service line and try to get past the touch tone system to get a human. I think ya just hit 0 for operator.
Capital One Visa is the best card for people with bad credit.
I wouldn’t get any credit card if I was you. It’s nothing but trouble. It’s too tempting when the credit card offers start rolling in and then you may wind up in financial trouble again.
try capital 1.
You won’t be able to get a high limit card a year out of BK. Companies are going to want to see if you can manage your credit before they go out on a limb and give you a high credit limit. You might want to try a secured credit card first, then work your way up. Maybe after 2 years or so you can apply for a real cc. Just be sure your credit score is in the 650 or better range. You can check your FICO score at myfico.com. DO NOT apply without knowing your credit score or you will just be wasting your time!
no problem u can get it easily….
even with bankruptcy!
NONE.!!!!!!!!!!!!!!!!!!!!!!!!!!!
You have a problem with finances, so you do not need to get in trouble again by running up another card.
Write up a monthly budget and SAVE for your purchases.
Sign up for Financial Peace University at http://www.daveramsey.com/ Take this great 13 week class at your local church. It wil change your financial life.
Capital One or Orchard Bank (HSBC), your interest rate will probably not be lower than 18% fixed, most companies will give you a variable rate with higher interest. As far as the credit limit, it will probably be at the most $1000.
One year out of bankruptcy there is no way you will qualify for a high limit, low annual fee, low APR card. It takes years to recover from bankruptcy and to rebuild credit. There are companies who specialize in credit cards for people who have bankruptcy on their records, but you will pay a high interest rate and will most likely be required to put money in first and with good reason. Since I work in credit at a bank, I see this all too often. You will be rebuilding that credit for many, many years – even after the 7 years it takes to get it off your report. That’s why filing bankruptcy isn’t a quick fix, it’s a last-ditch option. To get your credit back up will take due diligence on your part and a lot of time. Best of luck to you.