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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)
Awesome! I would still wait to apply until you have d/c paperwork in hand! Good luck
@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.
@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.
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.
Thanks for the info you guys, guess I will just wait it out.
Are Pre-Approved offers considered Hard or Soft Inquiry?
@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.