I went through a divorce and bk two years ago. I received a credit one card right after the bk with $500 limit. Worst card ever! Even though it was paid in full and on time, the compound interest after making the payment killed me. I would pay the full amount online and still get interest charges until they "technically" received the payment. Then they would put a hold on every payment and charge more interest. They wouldn't let me pay extra in payment to cover the interest. Then the monthly fee was crappy, couldn't pay it as a yearly, which I was willing to due. I put up with this for a while
Then I received a Capital one platinum - 750 limit, now $1500.
Then got a Barclays rewards card- 800 limit, 1800, and now $5600
Since I had received the two additional cards I decided to close the credit one. I knew that this would hurt credit as it was the longest history since bk but I was so worried that their shady practice would hurt my score more.
I got a capital one journey rewarda shortly after closing the credit one. Limit is 1500.
I pay my cards off monthly, don't carry a balance and pay the lower limit cards once I hit 20% spent.
My score is now 675. What else do you suggest I do to bump credit and should I try for a better card anytime soon? I like the rewards card and wouldn't mind Chase but they aren't bk friendly.