Although I did not personally have a Cap One account before bk, I did have HSBC cards and my hubby had Cap One and 4 HSBC accounts that were IIB and we were both approved for 2 unsecured Platinum MC's just a few weeks post bk discharge. The pre-qualifier never worked for us, so we just chose the cards they "recommended" and was instantly approved online when we applied. We are currently just over 18 months post bk discharge and we both have 3 cards each with Cap One and our CL's are $5000+ on the first 2 cards we opened right after the bk discharged and $10,000 on the Venture card, which we were both just approved for last week.
Cap One is super BK friendly. If you are waiting for the pre-approval link to work, it may never happen, but it does not mean you will not be approved if you apply. The same thing happened to my sister. She kept waiting for the pre-qualifiying link to say she was pre-approved but it never did, so she just went ahead and applied and was approved for 2 Platinum MC's instantly.
When we click on the "link cards together" link on the Cap One account portal, my husband's old Visa that was IIB is still showing but says the account cannot be linked and is grayed out.
The HSBC cards are showing as HSBC on our credit reports but they were closed and in default before Cap One took over their accounts so I am not sure if that makes a difference or not.
Chap 7 BK Discharge Aug 2013 (Initial CL/Current CL): Discover IT ($5.5K/$32.5K) Cap1 QS ($500/$30K) Amazon ($700/$8K) Barclay's MC ($1,300/$10.3K) Upromise ($500/$33K) Lowe's ($900/$13K) Sportsman's Visa ($17K) WF Amex ($13K) AMEX BCE ($10K) AMEX Gold NPSL - FICO's: All 740+
