I've been very happy with Barclays, they approved me for the Rewards MC back in April 2012, 1 yr 3 mos post BK7 discharge; I don't recall the SL, but I got it up to $5700 CL. These days I just use it for the 2% rewards categories, electric bill (no surcharge for CC payment), groceries & gas, so the rewards add up fast! Approved for NFL card in March, frankly just for the 18 month 0% BT, to pay off a Prosper 11% APR loan. They gave me a $5k SL, and I moved $2700 from Rewards. They gave me a $1k auto CLI last winter, so up to $8700 CL.
I finally paid off the BT in July, the 0% BT was due to expire this month. So today I app'd for Cash Forward, and got the 10 day review response. I wasn't surpised, I already have 2 cards w/them with $11,700 total CL. So I called a credit analyst from the Backdoor numbers in the CC Applications forum. Took 5 minutes, re-confirmed my government employment with the local county since March 2012 & asked about BK7 discharged in Jan 2011 - uninsured $80k medical expenses. Approved for $2500 SL. I then told her I wanted to close NFL & move the CL to Cash Forward. That took another minute or so, and now I have a Cash Forward MC with $11,200 CL! $100 spend bonus for charging $500 within 3 months, and 12 months 0% on charges, and 1.5% cashback rewards on all purchases. .
Now off to book that 6 week vacation to Tahiti! Just kidding Image may be NSFW.
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Edit: Logged into my Barclays account, Cash Forward already shows up with the $11,200 CL. I don't know the APR; I don't care, I don't carry a balance on a CC unless it's a 0% intro promo or BT.
