Denied

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tbka
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Location: Phoenix, AZ

Denied

Postby tbka » Sat Mar 15, 2014 11:53 am

So I decided to apply for a green card today. I was hoping I could get once since I have been a good boy since my wild youth. But alas, I was denied because I did the bankruptcy thing. It was the only thing in the denial letter they listed as a reason for not approving me. I just paid off my car with no lates. I have a capital one and Wells Fargo secured. I paid a personal loan off on time and no lates. How long will the bankruptcy keep me from joining the kewl peoples club. My discharge was May of 08. My scores are mid to upper 600's. This is quite depressing.
Capital One Platinum $500
Barclaycard Rewards $500
Wells Fargo Secured Platinum $1,000
Elan Financial Platinum $1,000


Experian 641 3/10/14
Equifax 663 3/10/14
TransUnion 631 3/10/14
Barclay 620 8/24/14
Capital One 632 8/24/14
Credit Karma 632 8/24/14

Bankruptcy till 4/18


linuxmachine
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Location: los angeles

Postby linuxmachine » Sat Mar 15, 2014 3:00 pm

Wait another year :-) in the meantime get unsecured cards with other banks first. Try discover or cap1 as they are easier to get

rockyrock
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Location: Ventura, CA

Postby rockyrock » Sat Mar 15, 2014 10:57 pm

linuxmachine wrote:Wait another year :-) in the meantime get unsecured cards with other banks first. Try discover or cap1 as they are easier to get


+1

Your time will come.
Sapphire Reserve: travel & dining (almost everything until I meet my initial spend)
Blue Cash Preferred: groceries & gas
Freedom: 5% cats
Double Cash: everything else

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tbka
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Joined: Sat Mar 15, 2014 11:40 am
Location: Phoenix, AZ

Discover...

Postby tbka » Sun Mar 16, 2014 1:09 am

linuxmachine wrote:Try discover or cap1 as they are easier to get


Should I try to get a Discover Card now, or being declined effect my chances for it and I'll need to hold off for a time?
Capital One Platinum $500
Barclaycard Rewards $500
Wells Fargo Secured Platinum $1,000
Elan Financial Platinum $1,000


Experian 641 3/10/14
Equifax 663 3/10/14
TransUnion 631 3/10/14
Barclay 620 8/24/14
Capital One 632 8/24/14
Credit Karma 632 8/24/14

Bankruptcy till 4/18

MemberSince99
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Location: WI

Postby MemberSince99 » Sun Mar 16, 2014 7:41 am

He already has a Cap One. Any prime lender will be hit or miss with a BK on the report. But I keep reading of people getting approved by Barclay less than 6 months after BK (though I doubt they included Barclay in the BK) and things like this that shock me so you just never know. Amex is known to not like BK (same with Chase).


If you're looking for sympathy, probably won't find too much here. Most of us have been in that position and we all had to pay the price for it. Just the way life goes unless you are a "too big to fail" entity then someone else pays the price for your f ups. BK comes off after 10 years so you still have a while to go before it comes off, and despite my best efforts, I really can't cry you a river, it's called taking responsibility for your actions, something we sorely lack in this country nowadays. I do sympathize to some degree, but that's just part of life.

linuxmachine
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Location: los angeles

Postby linuxmachine » Sun Mar 16, 2014 11:08 am

Hmm.. I read OP's post as both his cards were unsecured. Guess you could read it the other way too :-)

I think the sad part in this case is that he could've had a better chance if he applied while he was still paying off his loan. He may have had better credit score during then

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tbka
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Trying...

Postby tbka » Mon Mar 17, 2014 1:18 am

MemberSince99 wrote:If you're looking for sympathy, probably won't find too much here. Most of us have been in that position and we all had to pay the price for it.


I am not really looking for sympathy here, impathy is awesome. We all make mistakes, some bigger than others.

I was really looking for advice and encouragement. That too is lacking in our country. Give people a hand up and show them the right way to go.

I was hoping more that my luck would have held out. I Get the Wells Fargo Visa, then the Capital One MasterCard; I just was hoping beyond hope. But, alas... I fail. But there is a next time. My Discover fail too BTW.
Capital One Platinum $500
Barclaycard Rewards $500
Wells Fargo Secured Platinum $1,000
Elan Financial Platinum $1,000


Experian 641 3/10/14
Equifax 663 3/10/14
TransUnion 631 3/10/14
Barclay 620 8/24/14
Capital One 632 8/24/14
Credit Karma 632 8/24/14

Bankruptcy till 4/18

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tbka
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Joined: Sat Mar 15, 2014 11:40 am
Location: Phoenix, AZ

Other options

Postby tbka » Tue Mar 18, 2014 5:14 pm

So after being declined for a Green Card, I just received an e-mail from American Express Travel Related Services Company, Inc. they invite me to consider an "American Express Serve® Card" they said I recently applied for a product from American Express Centurion Bank. Although they are unable to offer me that product at this time, to look at this option.

I know it is just a pre-paid card, but will this be a "IN" as it where? Like a stepping stone into or a foot in the Amex world. Say if I keep this card in good standing, the next time I apply for a Green Card, I'll have a better shot? Or is this just a waste of time for me?


______________________________

Capital One Platinum $300
Wells Fargo Secured Platinum $1,000

Experian 641 3/14
Equifax 663 3/14
TransUnion 631 3/14

Bankruptcy 5/08
Capital One Platinum $500
Barclaycard Rewards $500
Wells Fargo Secured Platinum $1,000
Elan Financial Platinum $1,000


Experian 641 3/10/14
Equifax 663 3/10/14
TransUnion 631 3/10/14
Barclay 620 8/24/14
Capital One 632 8/24/14
Credit Karma 632 8/24/14

Bankruptcy till 4/18

MemberSince99
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Tue Mar 18, 2014 6:52 pm

I doubt it will make much difference as far as getting your desired Green card. Time alone is probably what it will take for that.


Just take care of your credit, really good care, and give it time. I speak as someone who burned Amex and had horrible credit, probably worse than yours (I will never know what the score was as I never checked but it had to be absolutely horrid). Today I have the Amex Gold card. I had to do my time before that happened it's just how it works. I can emphasize, but hat's about it, none of us gets a free pass to Go in life, unless we're "too big to fail" then we can do whatever we please and someone else pays for it. Things will get better and I have no doubt you'll have an Amex one day so long as you didn't burn them or you paid them back - then it's iffy. I really do wish you great luck and hope you get it one day!

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tbka
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Joined: Sat Mar 15, 2014 11:40 am
Location: Phoenix, AZ

I'll do my best.

Postby tbka » Tue Mar 18, 2014 10:09 pm

MemberSince99 wrote:I doubt it will make much difference as far as getting your desired Green card. Time alone is probably what it will take for that...

Just take care of your credit, really good care, and give it time...

I really do wish you great luck and hope you get it one day!


Thank you so much for your help. I really appreciate it. I will exercise patients as much as I must. I got my car loan right after the bankruptcy and after paying it off, I have had the confidence to get the cards I have now. I guess I got over zealous and tried for the green card too soon. Live and learn I guess.

______________________________

Capital One Platinum $300
Wells Fargo Secured Platinum $1,000

Experian 641 3/14
Equifax 663 3/14
TransUnion 631 3/14

Bankruptcy 5/08
Capital One Platinum $500
Barclaycard Rewards $500
Wells Fargo Secured Platinum $1,000
Elan Financial Platinum $1,000


Experian 641 3/10/14
Equifax 663 3/10/14
TransUnion 631 3/10/14
Barclay 620 8/24/14
Capital One 632 8/24/14
Credit Karma 632 8/24/14

Bankruptcy till 4/18



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