Cap 1 Quick Sliver after 2 recent charge offs?

[Truth316]

I recently had 2 cap1 cars charged off about 6 months ago. I applied for the heck of it never expecting to get approved, but I did! Only $300. I'm still rebuilding from a Ch7 so anything helps. I know have 3 cc's, 2 NFCU secured and unsecured, $500 each. Only problem I have is will this lower my credit score? THis new card will probably lower my Average age of my accounts. Which is only at 2.5 years long.

[Anonymous]

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@Truth316 wrote:
I recently had 2 cap1 cars charged off about 6 months ago. I applied for the heck of it never expecting to get approved, but I did! Only $300. I'm still rebuilding from a Ch7 so anything helps. I know have 3 cc's, 2 NFCU secured and unsecured, $500 each. Only problem I have is will this lower my credit score? THis new card will probably lower my Average age of my accounts. Which is only at 2.5 years long.

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Don't worry about it, like your hair it will grow back quickly.

I suspect the cards were charged off as a result of the BK, no?

[Truth316]

Actually my BK is 2 years ago, I got the Cap 1 CC's after I got discharged

[Anonymous]

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@Truth316 wrote:
Actually my BK is 2 years ago, I got the Cap 1 CC's after I got discharged

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Wow... consider yourself lucky, Cap One normally blacklists you for a year for a charge off.