Ch7 Discharged 7/29/16 ?? About CC

[0REDSOX7]

I'm one of the odd balls that Capital One refuses to let back in...  I burned them for just under $1,000, and yet, three years later, they reject me instantly - no credit pull or anyhting, and the reason is that I have "too many outstanding loan balances with Capital One" - WHATEVER!  I don't need them.

Just for s***s and giggles, I just tried to app now - and same thing...immediately decline.  Oh well!

[jmclaughlin1982]

I just wanted to give my two cents and experience. I burned Cap 1 with several cards IIB and was approved for Secured with $99 down before DC even happened. App'd for Quicksilver and they said I couldn't be considered for it because I got the Secured within 6 mos. will give it 4-6 mos and re app. My Cap 1 cards were charged off before BK for almost 2 yrs.
Credit One won't seem to let me back in. But then again, I have plenty of credit and I don't need them anyway! Lol. Did get a Milestone, (basically another version of Credit One) first time with them and it should be interesting.

[Anonymous]

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@jmclaughlin1982 wrote:
I just wanted to give my two cents and experience. I burned Cap 1 with several cards IIB and was approved for Secured with $99 down before DC even happened. App'd for Quicksilver and they said I couldn't be considered for it because I got the Secured within 6 mos. will give it 4-6 mos and re app. My Cap 1 cards were charged off before BK for almost 2 yrs.
Credit One won't seem to let me back in. But then again, I have plenty of credit and I don't need them anyway! Lol. Did get a Milestone, (basically another version of Credit One) first time with them and it should be interesting.

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jmclaughlin-

I see you are less than 2 months post D/C but have quite a few unsecured cards. Whats your score if you dont mind me asking? I should have my discharge within the next 10 days hopefully and eager to start the rebuild

[jmclaughlin1982]

My score just took a bit of a hit because I just started appingg. Before apps I was at 565 EQ. Dropped around 559 now.
One of the biggest parts of my rebuild has been being added to husbands cards as AU. Doesn't help a lot with history for approvals (got denied for Barclays because of lack of credit history, hence the app spree) but helps score a lot.