I'll be interested to see if anyone has an answer to your question.
I just posted this morning that they must have a blacklist. However, some people who have included them in BK (even recently) are somehow getting approved.
I was wondering if it depended whether or not they sold the debt off. My theory was that maybe if they have sold the debt, they don't keep a record of it. In my case, they are the only credit card in my BK who DIDN'T sell the debt off.
Guess I'll let that one go.........
i just posted on krielly's thread about this exact thing.
i had a card go to charge-off back in 1999 with capital one. i just got a new card with them in september '08.