02-03-2014 08:42 PM
Just wanted to update everyone on my progress. I recently wrote that I was having trouble with CheSystems - I got that figured out and currently bank at Chase.
I now have three Credit Cards - 1. Capital One 2. First Premier 3. Milestone. (Each have $300 limits). I use them and pay them off.
I also recently applied for the Capital One Blank check autoloan and was approved! I was so excited/happy. I should get my check by the end of the week and plan on purchasing a new car.
(Prior to that though, I recieved a nice promotion from my work - so everything is working out nicely.)
I am so happy for this community which gave me the courage to start over and file for Chapter 7.
I got discharged 1/27/13.
If I can do it, anyone can!
02-04-2014 05:49 AM
Congratulations on that significant milestone. May the seas of credit use and management be smooth for you going forward.
02-04-2014 06:46 AM
Did you apply for all three cards after the discharge on 1/27?
02-04-2014 07:10 AM
CONGRATS!!! Thanks for posting this with out this I would have never known about milestone credit card which I was just approved for as my first c. card since discharge thanks again!! And good luck with purchasing your new car!!
02-04-2014 12:37 PM
Congrats! I just discharged on 2/3/14! I'm excited to rebuild and to NEVER be in this mess again.
02-04-2014 02:54 PM
Congratulations. I recently file chapter 7 in dec and have had my 341 meeting on jan. 13. 2014. I am awaiting discharge. My situation is sensitive so i won't go into alot of details. Could you please tell me what your credit score was when capital one approved you for the blank check program. Many thanks and congrats
02-04-2014 04:04 PM
Congrats!!! I remember how wonderful I felt when I received my discharge on my ch 13, three years after I filed.
Congrats on the uncoming new car, too. Do you know what you are buying yet?? And what kind of rate applies to something like the Cap 1 blank check auto loan???
I brought my new SUV in June 2013 at 2.9%, but believe me, I remember the high interest rates and never want to see them again.
I hope all goes well now that u are out from under the BK.
02-05-2014 01:59 PM
Looks like you dodged a bullet since you applied for credit BEFORE discharge, unless of course you had approval from the Trustee??? Reason I ask is if you apply for credit without the Trustees prior approval, your BK could be and would likely be dismissed and that would be a very bad thing...
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