OhWoody,

I have a bk 4 years old as well. For three years I did not apply for anything. I started out with a secure BOA visa which help to open many other doors. Mind you, that the cards that I now have range from $1,000 to $100 (cld with gemb). I pay my cards in full every month and rotate them every two months. I now have 15 credit cards all open in 2008 (I was trying to keep this a secret) even the BOA secure. I honestly believe the BOA card helped me to get others cards. I got the BOA in May of 2008 and 5 GEMB cards in August and so on and so forth.

I now know I should not have been so greedy with application sprees and just set back and waited to the economy gets better. In other words, it is possible to get cards (not tier ones eight off the bat) just not so many at one time.

Whew, this is a funny company, I hate to put this opinion in, but I say "Not" with amex. Here is some good links to look into for your question(s).

2. BK friendly and unfriendly cards https://www.financeglobe.com/SocialNet/forum/showthread.php?t=538&highlight=friendly
3. Amex threads https://www.financeglobe.com/SocialNet/forum/search.php?searchid=39522

I know travelocity (Juniper Bank) is pretty cool with bk's, have you tried capital one?

Is it possible to get an American Express anything,charge or credit card,with a bankruptcy thats almost 4 years old & credit scores in the mid to high 600s?

Thank You Velly Much,
ohwoody

kforbes86 you will get different opinions here. Some will say that if your collection accounts are older than 5 years leave them alone because in 7 years they will drop off your Credit Bureau report.

Since yours are just a couple of years old, I say pay them off. Your right, once you pay them off they will show "paid" but if in the next 3 - 5 years you plan on making a major purchase, i.e., home, auto, they (collection accounts) will come back to haunt you.

I had a couple of collection accounts that I paid off that made them look current on my credit report but when I started to shop for a car and speak to different lending institutions, they told me I would be "dead in the water" had I not been proactive in paying off those accounts.

Listen to everyone here and do your research to make the best decision for yourself................

Okay, i have some questions for those around here that may know more than i do about these things. i have 3 collection accounts on my credit. they are all between2 years and a year old. would making payments on them bring them all back up again? how much would making payments on them, or paying them off benefit me? they would still be there, just be marked as paid?

WOW really, they sound kinda cheap on CLI. Well I got the card today with a $300 Credit Line. When I called to activate the card, the lady was trying to get me sign up for the protection plan. It's kinda annoying because they keep saying the program protect you upto $10,000 and im like my credit like is low $300, so i dont really need it.
So im waiting 6 months later to ugprade for the Discover Card. Did anyone get to upgrade it? Please share your experience, Thanks alot..

I believe you can upgrade it, but GEMB is weird about "upgrades." What it will do on your bureau is show your store card as closed due to transfer and the Discover will be a brand new trade with the new opening date.

I would like to apply for the kays card, but looking at the application statuses of the people that have been approved, i would most likely be denied for it. it is not that i need a card for a jeweler, i just wanted one more open account.

You don't need it. They might have a security issue just like CJ (Crown Jewelers).

I hate to say this, but i just typed a real long response to this question and I lost it accidentally through multitasking. I hate when I do that]https://www.financeglobe.com/Finance/cardstatus765.php[/URL]
2. Walmart credit reviews https://www.financeglobe.com/Finance/index.php?searchcolumn=cardname&keyword=wal+mart&p=getcardreviews
3. Walmart Discover thread https://www.financeglobe.com/SocialNet/forum/showthread.php?t=800&highlight=walmart
4. Walmart Discover application statuses https://www.financeglobe.com/Finance/cardstatus158.php
5. Walmart Discover reviews https://www.financeglobe.com/Finance/index.php?searchcolumn=cardname&keyword=wal+mart+discover&p=getcardreviews

Under #2 and 5, click each member review to see all the comments for the card. You have the option to search any members comments on a particular credit card from the review page itself, please let us know if you have any other questions.

Meya!

WOW really, they sound kinda cheap on CLI. Well I got the card today with a $300 Credit Line. When I called to activate the card, the lady was trying to get me sign up for the protection plan. It's kinda annoying because they keep saying the program protect you upto $10,000 and im like my credit like is low $300, so i dont really need it.
So im waiting 6 months later to ugprade for the Discover Card. Did anyone get to upgrade it? Please share your experience, Thanks alot..

I would like to apply for the kays card, but looking at the application statuses of the people that have been approved, i would most likely be denied for it. it is not that i need a card for a jeweler, i just wanted one more open account.

Does anyone have Walmart credit card? Can you share me your experience with them as a cardholder...Which card did you get?

I received my walmart card today and the card looks so plain. I want to upgrade with Walmart Discover later on. Does anyone ever done this?

I hate to say this, but i just typed a real long response to this question and I lost it accidentally through multitasking. I hate when I do that]https://www.financeglobe.com/Finance/cardstatus765.php[/URL]
2. Walmart credit reviews https://www.financeglobe.com/Finance/index.php?searchcolumn=cardname&keyword=wal+mart&p=getcardreviews
3. Walmart Discover thread https://www.financeglobe.com/SocialNet/forum/showthread.php?t=800&highlight=walmart
4. Walmart Discover application statuses https://www.financeglobe.com/Finance/cardstatus158.php
5. Walmart Discover reviews https://www.financeglobe.com/Finance/index.php?searchcolumn=cardname&keyword=wal+mart+discover&p=getcardreviews

Under #2 and 5, click each member review to see all the comments for the card. You have the option to search any members comments on a particular credit card from the review page itself, please let us know if you have any other questions.

Meya!

Before you take that route, try and get a Kay Jewelers card first. They seem to be the one that is popping right about now. I have heard too many bad news about crown jewelers, take a look at the links first...by the way, I do know that Kay's pulls from Eq

1. Horror stories of crown jewelers https://www.financeglobe.com/SocialNet/forum/showthread.php?t=494&highlight=crown
2. Financial Identity Theft https://www.financeglobe.com/SocialNet/forum/search.php?searchid=39434
3. Members Reviews of Kay's Jewelers https://www.financeglobe.com/Finance/index.php?p=getcardreviews&showissuer=1026
4. Comments on Kay's Jewelers https://www.financeglobe.com/Finance/review1026-10010.php
5. Kay's application status https://www.financeglobe.com/Finance/cardstatus1026.php

Hope this helps!

Does anyone know what credit bereaus that the crown jewelers account reports to? i am thinking of opening one, just for one more open account in my re-building process. i have 2 first premier cards, wells fargo seured, citi secured, and a store charge card through wfnnb. i have had the one card for about 7 months now, and the others opened just recently, my highest score is not even 520 yet. one other score is only 485, the third, i am not sure about. how can i have all these open accounts and my score not really rising at all?

Does anyone have Walmart credit card? Can you share me your experience with them as a cardholder...Which card did you get?

I received my walmart card today and the card looks so plain. I want to upgrade with Walmart Discover later on. Does anyone ever done this?

Ok......popquiz.As I said in a previous post I did have a Discover card back in the mid to late 90's.There was a balance owed,it got old & fell off my report or I may have included it in my Bankruptcy a few years ago.
This is my question.If I reapply & am not approved can they try & charge me for the old amount from way back when? Im trying to get my credit back on track & thought about another Discover card.

Thanks
ohwoody

I am very sure that they still have record of your account regardless if the trade has been deleted from your bureaus. Discover is very conservative even before this economic mess. They will likely decline you and maybe offer you that HSBC Direct Rewards Discover-an offer that really should be passed up. As for trying to charge you, Discover may state that you have a greater chance of approval for a new account if you pay the previous balance, but they cannot legally make you pay it (approved or declined).

I would use make the payments electronically and see how it works out.

This is the best way, and it is free. Hooter's will credit your account from the day you made the payment, no matter how long it took for it to post. I have never had a problem with them at all through electronic payments, so follow hjm advice on this one.