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I just recently had a CapOne CC that was CO'd reach the CRTP and the SOL (phew). I am into my rebuilding phase and would be interested in CapOne's Credit Steps program. However, do I dare even try to apply for a new card with them? I have heard horror stories that people have opened a new card with them while having a delinquent debt with them on another card and having them immediately add the delinquent balance to the new card. Is this really something they do?
While your situation may be different, I have a paid CO with them & have pretty nice scores these days & they gave me a big, fat NO. No hard inq tho, just a denial letter stating past acct as reason.
I shopped elsewhere. There's lots of fish in the sea, even for those with less than stellar reports. I'd go elsewhere.
What do your reports & FICO's look like these days??
I had a charged off collections with them years ago. I am into rebuildling now and got approved with ~635 scores through them again. Seemed odd that they approved me seeing as I screwed up once before but it happened. Granted it was a long time ago, around 2003-2004 iirc, they do give 2nd chances it would seem.
Orchard was my first rebuilder when my scores were 590ish after I paid everything off. A few good payments on that and I shot up to the 600s and got approved for capone.