HotrodBill wrote:I would say this, as someone who came from horrible credit to what i have listed in my signature. Its gonna take some time. I personally would focus on making on time payments with your capital one card and after 4-5 months, i cant remember how many it is exactly, they will usually give you a small boost in credit limit to somewhere around 500 or so.
once you get there, continue to maintain perfect history and payments, and focus on trying to get a bump from your other cards if you can that aren't secured. I personally started with first premier and a secured cap one card. after a few years of zero missed payments, and always on time and early, I started getting better cards. ( I had no idea a knowledge base such as this existed)
then one day I figured i'd go for a prime card, and low and behold, chase gave me a shot. the rest is history.
the point is it took time, and this is gonna take time. a BK is a big thing to come back from. you have $2800 in credit cards currently.... Id ask myself do I really need more?
I set a goal of getting both a charge card and credit card from Amex cause in my head, to me it said "you made it" as far as credit goes. While it was incredibly rewarding to see your approved on the computer screen, and hear welcome to american express over the phone, i had a moment the other day where I just realized it was simply another bill to pay at the end of the month, and that all it really says about you is you have ok enough credit and you generally pay your bills on time. nothing more, nothing less. ( I was a little bummed the envelope the card came in didnt have confetti or a small airplane bottle of champagne.
You'll get there, it just takes time. It took me 5 years of getting my crap together. you'll be there in 4 tops when the BK clears. until then just keep paid on time, and make little steps. remember what my grandpa taught me- inch by inch, its a cinch, yard by yard, its hard. -Bill
Best advice so far.