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@BigItaly wrote:I actually kept a credit card from my CU through BK which has no lates and I've had for almost a year. Applied for Capital One Platinum and got approved. Was wondering what my chances were for the Quicksilver or Barclay card.
What was your approval with CapOne?
@BigItaly wrote:
$500 limit on the Platinum card. $19 annual fee, first year waived.
I would wait a couple months and then try for another card if that is what you are wanting.
@BigItaly wrote:
Well, I'm an AU on a friend's Capital One and also I have another card from my CU that survived BK with 9-10 mos of good history and no Lates. I was hoping I could get another but if need be, I can wait.
I would feel better telling you to apply for another card if your approval was over the $1k mark. Not saying that you CAN'T, just telling you what I would do. There is no rush to pick up the 3rd card ASAP. GL
I appreciate your feedback, I think I'll wait.
No problem! Good luck in your rebuild
I can't guarantee it for you but both me and my husband applied for 2 Cap One cards the same day and were approved for both the same day. I got 2 Platinum MC's, one was $300 and the other was $500 starting limit. My husband got 2 Platinum MC's, the first was $500 limit, the second had $2000 limit. My sister also applied for and was approved for 2 Cap One cards the same day. We all 3 were within 30 days of our chapter 7 discharge date when we applied. BTW, we all 3 used the link to see if we were pre-qualified but were NOT pre-qualified for anything, we all just took the chance and applied for the suggested cards and were approved.
Just FYI: This was back in Sept of 2013 and those same Cap One cards are now as follows:
My first Platinum MC: Started with $300 limit, did a PC to Quick Silver at 6 months and have had 3 CLI's so far with a current CL of $5300.
My second Platinum MC: Started with $500 limit, since then I have had 3 CLI's so far with a current CL of $5500.
Husband's first Platinum MC: Started with $300 limit, he also did a PC to Quick Silver at 6 months and has had 3 CLI's so far with a current CL of $5300.
Husband's second Platinum MC: Started with $500 limit, since then he has had 3 CLI's so far with a current CL of $6500.
The only CLI that was automatic was the first one ,the others were initiated by us online and after we let 6 statements cut since our last CLI, they approved another CLI with a SP online. So basically, every 6 months you can get a CLI with them by requesting one online and it is a SP. Again, YMMV.
Our first CLI for the Credit Steps program was supposed to be only $250 increase but we each received a $1000 CLI at the 6 month mark on all our cards. We used them heavily, PIF two or three times a month to keep under 30% at all times and never let more than 10% balance report each month. They have been extremely good to us!
P.S. - Yes, they were IIB.
Crazy what CapOne will do for you if you use their cards!