I applied for a JCP card a couple years ago (had filed chapter 7 a year or so prior) and was declined.
Randomly this weekend I decided to apply from my iPhone without any pending purchase in my shopping cart. I expected a decline but instead it asked me a few questions and at the end referred me to call an 1-866 phone number with an application number. Apparently they're not open on weekends, so I called today and the young lady said "oh you listed a different address than what's on your driver's license". I said well I moved a year and a half ago. She said oh ok, no problem. Poof. Approved for $300 (gave me temp card number over the phone and instructions on how to use in a store without the card). I know the card is backs by Capital One and I have been receiving preapproved offers from Capital One which I had not persued. I'm three years out of bankruptcy and this is my first credit card. I'm thrilled. Hoping to get all those percentage off coupons in the coming months.
