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Capital One Credit Card After Bankruptcy

Frequent Contributor

Re: Capital One Credit Card After Bankruptcy

I have absolutely no data to back this up - but perhaps it may make a difference as to how much your balance was that you included in your BK with C1?

 

I could see them not being to willing to lend a hand if you had a 30k balance when filing versus a 300........

Message 11 of 25
Established Member

Re: Capital One Credit Card After Bankruptcy

Thanks for the advice. I bit the bullet and went for it after checking the preapproval form online, Got approved for a cash rewards card with $1,000 limit. These forum is full of great advice, by paying off my cards last month was able to get approved for a number of offers just 18 months post bankruptcy. I am now planning to move into the garden to grow my little seedlings and work on getting a few errors cleaned off my reports. Thanks one and all for all the great advice.

Message 12 of 25
Highlighted
Member

Re: Capital One Credit Card After Bankruptcy

OMG! i thought i was the only one they did that too!  i discharged a chapter 7 in Feb 2005 and not even 3 months later...A capital one card showed up in the mail!

Message 13 of 25
Established Member

Re: Capital One Credit Card After Bankruptcy

Just wanted to say hello to everyone. Im new to this
Message 14 of 25
Established Member

Re: Capital One Credit Card After Bankruptcy

I also burned capital one in my bk. They approved me for a secure card 200 limit and a classic card 300 limit. These are my 1st 2 cc.

Message 15 of 25
Valued Contributor

Re: Capital One Credit Card After Bankruptcy

How much did you burn them for? I can't even get them to look at me. :-(
BK Discharge 2/11/14

Currently in the garden.
Message 16 of 25
Regular Contributor

Re: Capital One Credit Card After Bankruptcy


0REDSOX7 wrote:
How much did you burn them for? I can't even get them to look at me. :-(

I burned them for $800 and they won't look at me either.


Starting Score 12/2013: 547 EQ; 529 EX; 540 TU
Current Score: 3/8/16 711 EQ Fico; 710 EX (CU hard pull); 701 TU Fico
Goal Score: 700


Take the myFICO Fitness Challenge
Message 17 of 25
Established Member

Re: Capital One Credit Card After Bankruptcy

I believe I burned them for well over 2000-3000 bucks

Message 18 of 25
New Contributor

Re: Capital One Credit Card After Bankruptcy

I was discharged from Bk on 5/22 I included Cap 1 in my BK filing. On 6/1 i was approved for 1k limit with Capital One. So there is hope. Hope this helps you.

Filed BK7: 2/2014 (start score EQ 450) Discharge 5/2014
666 EQ FICO 12/2015
$18k NFCU cashRewards |NFCU LOC 15k | $1.5k Barclay Rewards| $4.5k Cap1 Quicksilver| $1.5k Cap1.
Message 19 of 25
Frequent Contributor

Re: Capital One Credit Card After Bankruptcy

I burnt CapOne in my Bk7 back in 2010 for like 3k or less. Now I am holding their QS1 with 3k limit and got instant approval for their Venture Card on Sunday night with a credit limit of 10k. I have no idea how or why I got approved because that card is supposedly reserved for those with "excellent" credit. I am happy. I couldn't believe the approval was real and called CapOne today to check the status of my application. The lady said I was approved ! Now I know I am not dreaming. My first 10k limit visa signature card. All my other cards are under 3.5k limit.
Message 20 of 25