- Centurion Member
- Posts: 284
- Joined: Wed Apr 09, 2014 9:40 pm
- Location: Lawton, ok
I think the answer to your question really depends on how long you've had the cards in your signature. If you've had them for a while now (year or two) then you're probably good to try for something prime depending on your income and assuming the BK is the only negative on your report. That one is pretty old at this point so I doubt it would have a huge effect, although it will obviously be better towards the end of the year when it finally falls off (a date I'm sure you've been looking forward to for years.
If you have other lates since that, then I can only imagine a creditor would be a bit wary of you. They see someone who declared bankruptcy, then failed to make timely payments since then. Big red flag. Another consideration would be the banks involved. I don't know the details of your bankruptcy, but if you stiffed any credit card issuers during that, they may be understandably reluctant to issue you more credit, even after the BK falls off. AMEX is famous for this, but if I were a bank I certainly wouldn't want to give credit to someone who left me holding the bag previously.
Citi AAdvantage Executive World Elite MasterCard
AMEX Everyday Preferred
Chase Sapphire Preferred
NFCU nRewards Visa