"My 1st Credit Card After Chapter 7!"
Orchard Bank® Platinum MasterCard® Review
Written by: fozzie76 on 2009-10-03
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fozzie76's review: 
So my chapter 7 closed Feb 09 and I've been sitting back monitoring my credit for a while. After reading several guides I decided I need to get my 2 credit cards and pay them off routinely. My scores are TU: 589 EXP: 545 & EQ: 621.
I was originally going for Orchard's Secured card but when I filled out the app, they approved me for an unsecured one! No outrageous fees either, just a $59 annual fee.
Any ideas what I should use for my 2nd card? I don't like fee based cards. I'll do a secured card before I'll pay a $150 fee to get a card!
So my chapter 7 closed Feb 09 and I've been sitting back monitoring my credit for a while. After reading several guides I decided I need to get my 2 credit cards and pay them off routinely. My scores are TU: 589 EXP: 545 & EQ: 621. I was originally going for Orchard's Secured card but when I filled out the app, they approved me for an unsecured one! No outrageous fees either, just a $59 annual fee.
Any ideas what I should use for my 2nd card? I don't like fee based cards. I'll do a secured card before I'll pay a $150 fee to get a card!
3 Comments
Comment 1 by kforbes86
My 1st Credit Card After Chapter 7! 
on 2009-10-05
If you have buckle stores around you, theire charge card is a good re-builder, I have it right now. Also if you want secured. Wells fargo and Citibank both have good secured cards.
on 2009-10-05 If you have buckle stores around you, theire charge card is a good re-builder, I have it right now. Also if you want secured. Wells fargo and Citibank both have good secured cards.
Comment 2 by sharol
Re: Chapter 7 on 2009-10-23
I been in Chapter 7 for 1 year. Do you think I can get one? EX 628 EX 638 TU 583
on 2009-10-23 I been in Chapter 7 for 1 year. Do you think I can get one? EX 628 EX 638 TU 583
Comment 3 by macy
Re: My 1st Credit Card on 2009-12-19
Check the site and click the prequalify link which doesn't affect your score. It will tell u which card u qualify 4. Http://www.Landing. Orchardbank.com/1/2/media/disclosure? Cmd_lpage=&indicator=OB086&media=O5IS102AAX0802000161HPHHX&WT. Ac=CRS_IM000161
on 2009-12-19 Check the site and click the prequalify link which doesn't affect your score. It will tell u which card u qualify 4. Http://www.Landing. Orchardbank.com/1/2/media/disclosure? Cmd_lpage=&indicator=OB086&media=O5IS102AAX0802000161HPHHX&WT. Ac=CRS_IM000161
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Disclaimer: This content is not provided by Capital One Bank (USA), N.A.. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One Bank (USA), N.A.. Review content is powered by Finance Globe.
