i got an alert from Transunion today, they MUST have read this...LOL My score is 623 with them. I have reached my short term goal in 4 months!!! I opened up a new checking/savings account at SDFCU (State Department FCU), i went ahead and applied for the VISA after talking to the branch manager. I was approved for the card, providing i bring in 2 recent paystubs, but here is my dilemma. They pulled Experian for the card, but my score was only 621.....so the max they could give me was $1,000. i was shocked, cause we both looked at the mobile app from this site and saw the score was 635. If my score showed as 635, i would have had a REAL limit 
They will go back and review in 6 months.....i am bummed! still excited about my progress!!!! 
I think Capital One is much better than Barclays.
Barclays closes accounts for various reasons including not using the card enough.
Capital One is very weird about CLI but you can just open a new card and if your credit is better than it was when you opened your last card, your card and limit will be better too.
Just my experiences...
I burned Capital One for $3500 but had many good accounts before that.
I did NOT burn Barclays at all and had many good accounts before that.
So far I have 21k available with Capital One and only 1300 with Barclays and they require hard inquiry for CLI inquiry.
YMWV
@Shooting-For-800 wrote:I think Capital One is much better than Barclays.
Barclays closes accounts for various reasons including not using the card enough.
Capital One is very weird about CLI but you can just open a new card and if your credit is better than it was when you opened your last card, your card and limit will be better too.
Just my experiences...
I burned Capital One for $3500 but had many good accounts before that.
I did NOT burn Barclays at all and had many good accounts before that.
So far I have 21k available with Capital One and only 1300 with Barclays and they require hard inquiry for CLI inquiry.
YMWV
Capital One is a rebuilder bank... Barclays is not. Neither is Discover, AmEx, Chase and BoA.
Nothing CapOne offers at this stage of rebuilding even comes close to Barclays Sallie Mae card.
Just because a bank doesn't let you in the door right away doesn't mean they are a bad bank. Barclays is very good with great cards... they just don't let you have them 3 days after your discharge like CapOne does.
Well I disagree with you.
Capital One has cards that are for rebuilding or starting out or whatever but there are plenty of clients with excellent credit gravitating over to QuickSilver Sig or Venture.
Please explain to me what makes the Sallie Mae card better than 2x miles or 1.5% cash back on anything with no limits that has no minimum cash out, takes two days to get, and has no annual fee.
I earned well over $1000 in cold hard cash in one year with Capital One without paying a dime in interest or fees.
What makes Sallie Mae better? You can't be refering to the 5% cash back on groceries or gas since it maxes out at $12.50 per month.
I charge over $5,000 per month...
QuickSilver Sig makes me = 5000x1.5% = $75
The BEST Barclays card (Sallie Mae) maxed out in each catagory at $5000 = $45+$12.50+$12.50 = $70
QuickSilver Sig makes me = 6000x1.5% = $90
The BEST Barclays card (Sallie Mae) maxed out in each catagory at $6000 = $55+$12.50+$12.50 = $80
QuickSilver Sig makes me = 7000x1.5% = $105
The BEST Barclays card (Sallie Mae) maxed out in each catagory at $7000 = $65+$12.50+$12.50 = $90
etc etc etc - you get the point.
PLEASE tell me if I am wrong, perhaps I missed something? If not, I will stick with my $10k Signature "Starter Card," from the inferior bank.
@Shooting-For-800 wrote:Well I disagree with you.
I charge over $5,000 per month...
Maybe you should have taken that $5000 a month and applied it to your debts rather than a Ch 7?
So you spend $5000 a month to get an extra $10-$15 per month over what you'd get with a Sallie Mae. That doesn't make the card better... it just means you spend a lot more per month than the average consumer and it's better for YOU.
Not going to get in a debate with you because nobody cares least of all me. Perhaps you should go post this in the CC forum and ask which is better... Sallie Mae or QS and see what kind of a response you get. I have both anyway and could care less.
Keep milking Capital One... of course they're the best in your eyes and it probably has something to do with them being the only bank willing to extend you credit.
^ Says the guy who is proud to buy a $42k Dodge and carry CC balances ($20,000 now ?) after discharging his BK.
Maybe you should mind your own business and I will do the same.
You have no idea what happened to me to force me into a Chapter 7.
You have your opinion and I have mine. Mine is based on my experience and I guess yours is based on popular vote in an annomous credit forum.
I stated it was MY OPINION BASED ON MY EXPERIENCE. I have a Barclays Card. Pay attention.
I am 675 14 months after BK. I am not worried about getting credit in the future.
Lets keep it civil.
BTW - You still have not told me why a low limit credit card with less rewards is better than a higher limit card with more rewards.
@Shooting-For-800 wrote:^ Says the guy who is proud to buy a $42k Dodge and carry CC balances after discharging his BK.
Maybe you should mind your own business and I will do the same.
BTW - You still have not told me why a low limit credit card with less rewards is better than a higher limit card with more rewards.
Quit trolling and I will. Yep... I discharged my BK... after paying on it for 4 years Mr. Ch 7.
I'm damn proud to buy a $42k Dodge. I'm pretty sure it's a better car than whatever it is that you're driving... (not that I care either way... you could be driving a Ferrari for all I know Mr. $5k per month)
My CC balances are 0% promotions... Best Buy (laptop and 2 TV's) and a pair of 0% 18 month BT's.... So yeah, at 0%, I'll carry a balance. I despise interest.
Now that you know why I'm carrying balances maybe you'll come up with some better material.
I'm not going to get into a pissing contest with you... I take advantage of all my cards. That is the 5% on Sallie Mae, 5% on Discover, 5% on Sam's MC... etc... you get the point. I even spent $3000 to get 40k miles on Venture! Imagine that!
I'm happy for you and your CapOne cards... I've got them too... along with AmEx, Discover, Barclay's... Sam's... etc... etc...
I'll have even better cards at the end of the year when my reports are clean. I'm sure you'll catch up in another 8 years or so. While you are waiting find someone else to troll.
TLDR the rest of your post. I don't care. Gonna add you to my ignore list and get back to my coffee.