I now have 3 Cap One cards. I am almost 2 years post BK and started out with a secured Cap 1 4 months post. At 1 year post BK I was approved for a $500 limit on a Quicksilver 1 card. As promised, I received my credit steps increase to $750. In Jan of 2015, I decided to try for the Sony card to take advantage of the 0% interest rate. To my surprise I was approved but only for $300 with the promise of a bump to $500 in 6 months in the steps program. As of 3 days ago, my limit was increased by $2,000 to $2,300. I make fairly heavy use of the Sony card and kept about a 60% utilization but would make a large payment about every other monthly on top of my regular payments. I've heard mixed reviews of Capital One but I have nothing but praises for them!
CareCredit: $7,000; Overstock: $5,750; Cap 1 Quicksilver WMC: $5,250; Mercury Card (formally Barclays): $5,250; Wayfair: $5,000; Discover IT: $3,700; Amazon Store: $3,500; Cap 1 WalMart: $3,500; Conn's: $3,500; Citi AA MileUp: $2,800; NewEgg: $2,800; Credit One: $2,150; Citi Best Buy Visa: $2,000; CarCare: $2,000; Merrick Bank: $2,000; EBates Visa: $1,500; American Express: $1,000; Belk: $1,000; Old Navy: $1,000; Citi Diamond: $200
Current Scores:
Experian: 675(1-22-20) Equifax: 677 (7-15-19) TransUnion: 660 (7-15-19)
Current Utilization: 34%
Ch.13 filed 12/20/12.