My chapter 13 was discharged? How long do I have to wait to get a credit card/?

Question

My chapter 13 was discharged? How long do I have to wait to get a credit card/?

Answer 1

I agree with everything drock said!!!!!

I had a bankruptcy chapter 13 and capitalone and hsbc are the first two I opened. I really recommend waiting until you get the offers from these cards, because they usually offer 0% interest for the first year and low fees. I don't know if you'll get that same offer by just applying. I got offers from both of them within a few months but still waited about 1 1/2 years before I opened either! If you don't accept, they'll keep sending more!

You will be getting offers like crazy, make sure to check the terms very carefully though, like interest rates and annual fees and startup fees. Some of them will charge upwards of $150 just to open the card. Be careful!!!!!!!

Answer 2

Ruthie,

I own a debt/credit company and we consult on how to fix your credit best.

the consultation is free.

f you would like some information please go to www.agdebtconsultation.com

[e-mail]

there is lots of information there. You can fill out a form for a free debt consultation as well

Aaron-Owner

Answer 3

Whoa, whoa, whoa, slow down there!

You don't want to get back into the mess that made you file bankruptcy!  

You might want to wait a year.  But, don't worry, you'll be getting credit card offers in the mail like crazy!  Banks want you to mess up again, so they lend you credit!

Try:

HSBC: www.hsbc.com

Capital Once: www.capitalone.com

Hope mine was the best answer!  Hint...hint! =p