Cap 1 pre approvals after bk7

[Anonymous]

• Had 341 meeting on 2/8/16, so discharge will be 4/8/16.

I've tried the cap 1 pre approvals for card, and auto financing with zero luck so far. Card says can not match me up to a pre-approved offer, and auto financing says something like a cap 1 delinquency (sorry don't remember exact wording). I did burn cap 1 for approx $440 and it's already been removed from credit report like. 

Will this change after my discharge date? Am I trying too soon? Help! 

Pizza

[Anonymous]

Definately wait until after discharge before applying for anything.  When my CH13 discharged, it was a week or 2 before the Cap One prequal site went from "couldnt' find an offer" to "we think you like this".  Just remember, once you do get an offer, you can apply for 2 Cap Ones cards the same day with only one hard credit pull.  If you apply for the 2nd card the next day, it'll be another hard pull.

[Taoron]

Also be aware that applying for 2 cards at the same time will most likely trigger a fraud alert to Cap1.. don't be surprised when they hold your accounts for verification.  (It's not too big of a deal, but they'll start calling every number you've ever been associated with and mail letters to all your old addresses, regardless of whether or not you still live there.)

[Scupra]

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@Taoron wrote:

Also be aware that applying for 2 cards at the same time will most likely trigger a fraud alert to Cap1.. don't be surprised when they hold your accounts for verification.  (It's not too big of a deal, but they'll start calling every number you've ever been associated with and mail letters to all your old addresses, regardless of whether or not you still live there.)

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I wonder how many people have experienced this besides you? Anyone else? I don't see this often on the boards

[Anonymous]

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@Taoron wrote:

Also be aware that applying for 2 cards at the same time will most likely trigger a fraud alert to Cap1.. don't be surprised when they hold your accounts for verification.  (It's not too big of a deal, but they'll start calling every number you've ever been associated with and mail letters to all your old addresses, regardless of whether or not you still live there.)

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I haven't heard of this happening on here before.  I applied for 2 different Cap One cards the same day (a few hours apart) with no issues or 2 hard pull of credit.

[Taoron]

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@Scupra wrote:

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@Taoron wrote:

Also be aware that applying for 2 cards at the same time will most likely trigger a fraud alert to Cap1.. don't be surprised when they hold your accounts for verification.  (It's not too big of a deal, but they'll start calling every number you've ever been associated with and mail letters to all your old addresses, regardless of whether or not you still live there.)

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I wonder how many people have experienced this besides you? Anyone else? I don't see this often on the boards

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It's possible that it was because I moved a few times and also have a PO Box.  They were sending mail to my mom and calling her phone number, my landlord's phone number.  It was truly rediculous.   I got to listen to their voicemail, they left personal information on a phone number I had never listed nor have I ever owned.

[Anonymous]

I did all of mine online without a hitch.

[Scupra]

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@Taoron wrote:

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@Scupra wrote:

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@Taoron wrote:

Also be aware that applying for 2 cards at the same time will most likely trigger a fraud alert to Cap1.. don't be surprised when they hold your accounts for verification.  (It's not too big of a deal, but they'll start calling every number you've ever been associated with and mail letters to all your old addresses, regardless of whether or not you still live there.)

---

I wonder how many people have experienced this besides you? Anyone else? I don't see this often on the boards

---

It's possible that it was because I moved a few times and also have a PO Box.  They were sending mail to my mom and calling her phone number, my landlord's phone number.  It was truly rediculous.   I got to listen to their voicemail, they left personal information on a phone number I had never listed nor have I ever owned.

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Wow!!