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YAY!! CAP ONE APPROVED CC POST CHP 7 BK!!!

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pizza1
Community Leader
Super Contributor

YAY!! CAP ONE APPROVED CC POST CHP 7 BK!!!

Hey everyone.... Just wanted to let everybody know that I got approved for my first unsecured credit card post chp 7!!!!!!
I'm soooo excited!! My chp7 was discharged on August 19th 2013, so I am only a month and a half post discharge!! So, I have literally been checking the Captial One "pre qualified" site like almost daily, and nothing!!! It would always say " we can't match our records to you, but from the data entered we recommend these "... So tried it tonight , same thing and got same message, but this time I decided to just bite the bullet and apply, and I was instantly approved!!!!! Yay!

Terms: classic platinum- $1,000 CL!!!!!!!!!!!, wow!!!!!
24% apr (doesn't matter, cause I PIF )
$0 AF first year/ $19 after that


So, I'm off to the garden till December 2014, and then will app for a Discover or Barclays

I currently have the following positives reporting on all 3 CRA's:

Commerce Bank- secured Visa, $500 cl (opened 08/2013) reports to all 3 CRA's
Capital One- unsecured MasterCard, $1,000 CL
2 separate Federal School loans , both current!

Before approved tonight for the Cap One MasterCard, my secured Visa was reporting at 2% util!! So happy to be approved just a month and a half post discharge and thankful for another chance!! Off to garden these till next December!!
Message 1 of 8
7 REPLIES 7
creditscoreEE
Frequent Contributor

Re: YAY!! CAP ONE APPROVED CC POST CHP 7 BK!!!

Congrats you most feel great !!
Samsung mobile
Message 2 of 8
toi34
Established Contributor

Re: YAY!! CAP ONE APPROVED CC POST CHP 7 BK!!!

Wow...nice starting limit! Congrats!

Message 3 of 8
myjourney
Super Contributor

Re: YAY!! CAP ONE APPROVED CC POST CHP 7 BK!!!

Congarts 

Keep up the good work and see you in the garden to grow those seedlings 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 8
pizza1
Community Leader
Super Contributor

Re: YAY!! CAP ONE APPROVED CC POST CHP 7 BK!!!

Thank you everyone!! I'm working really hard on my reports on clean up with a whole set of letters just sent off to all three of the CRA's. it will take time, but I feel fortunate to have this Hanse at rebuilding again. Cap one is awesome! Smiley Happy
Message 5 of 8
09Lexie
Moderator Emerita

Re: YAY!! CAP ONE APPROVED CC POST CHP 7 BK!!!

Message 6 of 8
godadago
New Member

Re: YAY!! CAP ONE APPROVED CC POST CHP 7 BK!!!

New and wanted to know what "CC POST CHP 7 BK" ment.  looked on the abbrevation page and couldn't find anything.

 

 

Thanks


Starting Score Sept 2013: EX: 607 EQ:581 TU:617
Current Score: EX: 607 EQ:581 TU:617
Goal Score: ALL 700


Take the myFICO Fitness Challenge
Message 7 of 8
themizlyne
Regular Contributor

Re: YAY!! CAP ONE APPROVED CC POST CHP 7 BK!!!

Credit card after Chapter 7 bankruptcy.
Message 8 of 8
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