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CAP 1 Success

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KJT
Contributor

CAP 1 Success

Discharged BK7 09/15, CAP 1 approvals since that time QS1 MC 3k x2 converted over to QS and recently QS Visa 3k limit. Just yesterday I received credit limit increases after 3rd statement from 3k to 4k on one QS MC and 3k to 3.5 K on the other QS MC. are there any suggestions on where to go from here Barclays or Discover?

 

FICO Scores

 

EQ- 654

 

TU-648

 

EX- 609  

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 750/812 EX 722/742 TU 725/715 AMEX BCE $20K, Delta AMEX $10k, AMEX Everyday $5K, AMEX Gold NPSL, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $9K, BOA Unlimited Custom Cash Visa $5K, BOA Travel Rewards Visa $5K, BBT Travel Reward Visa $7.5K, BBT Brightstar Visa $7.5K, Target $5k, Banana Republic $7k, CITI Custom Cash $3K, NFCU eSignature Visa $40k, NFCU CLOC $15k, NFCU AMEX Rewards $25k, NFCU Classic Visa Signature Flagship Reward $15k, Comendity NFL $25.4k, PayPal $10k, Capital 1 Wal-Mart $7k, Amazon Prime $10k, CITI-Double Cash $3k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; Raymour $5.3, USAA AMEX Reward $14.5K, USSA Visa Reward $9.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $346K.
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2 REPLIES 2
Anonymous
Not applicable

Re: CAP 1 Success

Congrats! If you didn't burn Discover you could try them. I was blacklisted by Barclays until 1yr post filing. Now I am in with them. Check their prequal site. If it says accept, then you have a shot. Good luck!

Message 2 of 3
Scupra
Super Contributor

Re: CAP 1 Success


@KJT wrote:

Discharged BK7 09/15, CAP 1 approvals since that time QS1 MC 3k x2 converted over to QS and recently QS Visa 3k limit. Just yesterday I received credit limit increases after 3rd statement from 3k to 4k on one QS MC and 3k to 3.5 K on the other QS MC. are there any suggestions on where to go from here Barclays or Discover?

 

FICO Scores

 

EQ- 654

 

TU-648

 

EX- 609  


3 months post BK? I would definitely wait a bit for Discover Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 3 of 3
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