My bankruptcy was discharged 2 years ago. How do I get one of those higher credit limit cards?

I too have a discharged bankruptcy, mine has not been even a year since it has been discharged. I also have 4 credit card accounts. Rewards 660 started me off at a limit of $300, and now a year later I'm up to a credit limit of $600. I recently applied for the "Hooters Mastercard" and was approved with a $1000 credit limit, it's not $5k but it definitely helps my credit score. Try getting a store card, or a gas card. Target approved me about a month ago and started me off at $200 Hey not alot, but a start! Try going to wwww.whogavemecredit.com and see what other people who have applied for cerdit with similiar credit scores, and bankruptcy have been approved for..It was very helpful...Good luck! I'm in the same boat, just trying to build my credit score!

It takes time to build credit. Keep low debt in you card. Make a payment regularly, don't switch cards (the longer you hav the card the better), don't apply for new card (every time you apply it will affect you record ... shows you are desparate), and avoid using them often (that is actually my personal advise). Good luck.

Michelle - if you have four credit cards, that may be part of the problem. If your balances are over 50% of your limit (say, $100 on a $200 limit), it looks like you are headed toward BK again. A score of 642 is above the national average of about 630, although not much. Pay your balances in full and dump the debt. It's really not a good way to manage your money. Only spend what you have and save for the things you want. You'll be amazed at what you score looks like in a year. BTW - AMEX is a terrible card to have. The annual fee is AT LEAST $75. If you go gold it jumps to about $90, platinum, over $100. If you NEED the MC/Visa logo, get a check card attached to your checking account.

Congratulations on getting out of bankruptcy. Unless you want to go bankrupt again, avoid credit cards like the plague. Get a savings account and put the very first part of your paycheck in it.

great resource list of creditors that understand your situation http://andycaine.approval4u.hop.clickbank.net

it's going to take longer than 2yrs to rebuild your credit following a bankruptcy...your not going to get a higher credit limit of $5k plus for a few more yrs...your score will continue to improve if you pay off your balances in full each month but occassionally revolve part of your balance to the following month then pay in full to show more financial stability...you're going to pay high rates for awhile because you're still a high credit risk, amex and citibank and most other major credit card issuers won't approve you for a high limit and/or low rate for awhile

you don't need it-- that is probably what you discharged on any way. You can how ever now buy a house with conforming scores!

ok, since you are out of bankruptcy, you started off with a score of 500 or so and has been improving. The best way to improve your score is not by asking for multiple cards or repeated requests for higher limit. Each referral to your credit file lowers your score by 5 points and that will hurt you. Stop asking for more cards or higher limit. Instead, obtain a secured card or a 'secured loan'. In a secured card you put $1K into a term deposit for one year and use a credit card against it (you can apply for a secured credit card). By law they can't reject that deal. After a year they won't generally reduce your limit. In a 'secured loan', you 'borrow $1K' from a bank and the bank puts that $1K in a term-deposit of one year. You then keep paying $100 or so each month and in one year you "pay off that loan", which results in you having a $1K in a term deposit with interest and also a higher credit limit. This is the revolving credit. If you default in payment it will hurt you score and also force a higher interest rate on the loan. (Interest on loan minus interest on deposit) would be about $50 and you will lose that money to the bank in the process of improving your credit score. Of course, getting a loan against collateral (like an auto) and repaying it promptly also helps. Prompt payment is the key here. Not necessarily full payment each month. It is considered healthy to have up to 1/3rd of your credit line used each month or rolled over. But remember, the scoring method with different credit bureaus are different. They are trying to create a common score now but that will take a while. A lender or a credit card agency won't just look at your score, they will look at your credit file comprehensively before deciding if you a credit risk or not.

try capital one.