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Pre-Approval for Capital One Platinum Credit

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approvedbyme
Valued Member

Pre-Approval for Capital One Platinum Credit

Hello,

 

Just wanted to touch bases, I'm waiting on discharge from Ch.7. I filed 6/3/14. My discharge date should be within a few days or week away. During this tedious process of rebuilding, I've opened up a Checking and Savings account with Bank of America and Checking and Savings with Tech Credit Union. Well, today I was sent a pre-approval credit card from Capital One Platinum and was APPROVED for $750.00 credit card. I'm amazed!. Has any one else received Pre-Approval Offers while awaiting Discharge from a Bankruptcy? Also, I had included Capital One in my Bankruptcy. (side note)

Filed Ch.7 6/3/2014 Meeting of Creditors 7/8/2014
Discharge date:9/15/2014 Credit Scores Currently as of 9/24/2014
Experian 655
Eqifax:664
Transunion: 664 all lender pulled Oct. 2014

Message 1 of 9
8 REPLIES 8
Scupra
Super Contributor

Re: Pre-Approval for Capital One Platinum Credit

Awesome! I would still wait to apply until you have d/c paperwork in hand! Good luck

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 2 of 9
ordnance1987
Regular Contributor

Re: Pre-Approval for Capital One Platinum Credit


@approvedbyme wrote:

Hello,

 

Just wanted to touch bases, I'm waiting on discharge from Ch.7. I filed 6/3/14. My discharge date should be within a few days or week away. During this tedious process of rebuilding, I've opened up a Checking and Savings account with Bank of America and Checking and Savings with Tech Credit Union. Well, today I was sent a pre-approval credit card from Capital One Platinum and was APPROVED for $750.00 credit card. I'm amazed!. Has any one else received Pre-Approval Offers while awaiting Discharge from a Bankruptcy? Also, I had included Capital One in my Bankruptcy. (side note)


I got a lot of pre- approvals from Chase before discharge. Was recently discharged last week. The most recent pre-approval is good until October not sure if I will get denied if I apply.

Chapter 7 Discharged Aug 2014
Starting Score: EQ 587, TU 567, EX 612
Current Score: EQ 643, TU 627, EX 657
Message 3 of 9
Scupra
Super Contributor

Re: Pre-Approval for Capital One Platinum Credit


@ordnance1987 wrote:

@approvedbyme wrote:

Hello,

 

Just wanted to touch bases, I'm waiting on discharge from Ch.7. I filed 6/3/14. My discharge date should be within a few days or week away. During this tedious process of rebuilding, I've opened up a Checking and Savings account with Bank of America and Checking and Savings with Tech Credit Union. Well, today I was sent a pre-approval credit card from Capital One Platinum and was APPROVED for $750.00 credit card. I'm amazed!. Has any one else received Pre-Approval Offers while awaiting Discharge from a Bankruptcy? Also, I had included Capital One in my Bankruptcy. (side note)


I got a lot of pre- approvals from Chase before discharge. Was recently discharged last week. The most recent pre-approval is good until October not sure if I will get denied if I apply.


Not sure I would go after Chase until you are around 3 years post d/c and have a good rebuilt report. The decision is always yours though, YMMV. There was someone who had a pre approval after BK recently and they were denied with BK as only reason. Good luck with what you do.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 4 of 9
TRC_WA
Senior Contributor

Re: Pre-Approval for Capital One Platinum Credit

Chase isn't BK friendly... along with Discover.

 

2 lenders I am not even wasting my time with until my 13 falls off in early 2016...  no point in wasting INQ's.

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 5 of 9
ordnance1987
Regular Contributor

Re: Pre-Approval for Capital One Platinum Credit

Thanks for the info you guys, guess I will just wait it out.Smiley Happy

Chapter 7 Discharged Aug 2014
Starting Score: EQ 587, TU 567, EX 612
Current Score: EQ 643, TU 627, EX 657
Message 6 of 9
approvedbyme
Valued Member

Re: Pre-Approval for Capital One Platinum Credit

Are Pre-Approved offers considered Hard or Soft Inquiry?

Filed Ch.7 6/3/2014 Meeting of Creditors 7/8/2014
Discharge date:9/15/2014 Credit Scores Currently as of 9/24/2014
Experian 655
Eqifax:664
Transunion: 664 all lender pulled Oct. 2014

Message 7 of 9
Scupra
Super Contributor

Re: Pre-Approval for Capital One Platinum Credit


@approvedbyme wrote:

Are Pre-Approved offers considered Hard or Soft Inquiry?


The offer itself is based off a soft pull usually and accepting the offer will result in a HP.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 8 of 9
approvedbyme
Valued Member

Re: Pre-Approval for Capital One Platinum Credit

Ok thanks.....no wonder my alerts were going berserk this Morning
Filed Ch.7 6/3/2014 Meeting of Creditors 7/8/2014
Discharge date:9/15/2014 Credit Scores Currently as of 9/24/2014
Experian 655
Eqifax:664
Transunion: 664 all lender pulled Oct. 2014

Message 9 of 9
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