topic Re: Capital One approved after BK 7 in Credit Card Approvals

Capital One approved after BK 7

Anonymous — Sun, 11 Jan 2015 22:38:51 GMT

I filed bankruptcy in 2013. I've been on a steady and fast track to rebuilding. I burned capital one for close to 100k in my bakruptcy filing. I deciced to apply for a capital one card on January 01, 2015. I have both Equifax and Experian frozen. I applied and Capital One pulled Transunion. After they verified my home address, they approved me for $3k.

The 3k is a lower limit than my other cards but why not. I figure I'll just let it sit there and age. I don't carry any balances and pay in full each month.

I have 3 chase cards. A Saphire, An Explorer Card and a Slate. I also have an Amex and a Chevron Visa Card along with a Ebates visa card. E-bates gave me a 6k credit line to start. I've never had credit with Sychrony/GECRB prior to 2014.

I also have around 25 store issued cards. All high limits, no balances and I try to charge through the major ones each month.

So 3k was a bummer but I also think it is a great starting line since Capital One is so conservative and I burned them hard core in my bankruptcy filing.

Re: Capital One approved after BK 7

uswala — Sun, 11 Jan 2015 23:22:13 GMT

Congrats on the approval!

Re: Capital One approved after BK 7

CH-7-Mission-Accomplished — Sun, 11 Jan 2015 23:36:15 GMT

Congrats. Great job!

I also did BK 7 in 2013. Can I ask, how did you get back in with Chase and AMEX, even if you did not burn them? I hear they won't approve with a BK reporting, so 10 years. Just curious what your secret is Thanks for any info and tips.

Re: Capital One approved after BK 7

gdale6 — Sun, 11 Jan 2015 23:41:04 GMT

Grats on your new Capital 1 card

Re: Capital One approved after BK 7

Anomalous — Mon, 12 Jan 2015 00:53:09 GMT

Congratulations!

Re: Capital One approved after BK 7

CreditCuriosity — Mon, 12 Jan 2015 01:04:32 GMT

Ya I doubt you got back in with AMEX after 1 year out of Bankruptcy.. Is this an AMEX card ussued by another bank?

Re: Capital One approved after BK 7

Anonymous — Mon, 12 Jan 2015 01:04:27 GMT

3k is high for cap1 standards xD. Congrats!

Re: Capital One approved after BK 7

OffToBetterStart — Mon, 12 Jan 2015 01:06:36 GMT

Congrats Wtg !!

Re: Capital One approved after BK 7

Anonymous — Mon, 12 Jan 2015 01:54:11 GMT

Congrats!

Re: Capital One approved after BK 7

pizza1 — Mon, 12 Jan 2015 04:11:21 GMT

I'm curious how you have Amex and chase 1 yr after a HUGE bk7 and burning them for 100k??? Sorry, don't believe that at all. Chase and Amex both blacklist for years, not one. Why don't you tell us how you "got back in" so soon.

Re: Capital One approved after BK 7

Anonymous — Mon, 12 Jan 2015 04:13:49 GMT

I said I burned Capital One for 100k. Good lord If I had $100k in credit, with Capital One could you imagine what I had on my other cards prior to bankruptcy?

Neither Chase nor Amex were burned by me. I def. have the cards weather you choose to believe it or not is up to you. I also use Credit Secure every day to stay up to date on my credit reports.

Re: Capital One approved after BK 7

polecat87 — Mon, 12 Jan 2015 04:32:08 GMT

@Anonymous wrote:
I said I burned Capital One for 100k. Good lord If I had $100k in credit, with Capital One could you imagine what I had on my other cards prior to bankruptcy?

Neither Chase nor Amex were burned by me. I def. have the cards weather you choose to believe it or not is up to you. I also use Credit Secure every day to stay up to date on my credit reports.

I try to assume every post is made in good faith, so I'm going out on a limb by assuming your posts are legit (although a Chase Sapphire and a real Amex less than 2 years post-banruptcy seem high inplausible). If what you say is true, I would highly recommend you reassess why you filed bankruptcy (I don't know the reason- could be medical) so I don't want to prejudge, but I think your approach to restablishing your credit is dangerous. I know I am a minority here in what I believe someone needs to do post-bankruptcy- because I don't see bankruptcy as a credit issueas much as it is as failure to control personal finances includng credit. Most people here believe you need to restablish credit quickly after bankruptcy. I disagree, but I think even those who don't agree with me would recommend someone go slowly and you are going way to fast in establishing new credit.

Re: Capital One approved after BK 7

peanut42182 — Mon, 12 Jan 2015 06:12:05 GMT

I agree ^^^^^^^^^

Re: Capital One approved after BK 7

Anonymous — Mon, 12 Jan 2015 06:14:29 GMT

Re: Capital One approved after BK 7

MarineVietVet — Mon, 12 Jan 2015 06:52:08 GMT

Re: Capital One approved after BK 7

pizza1 — Mon, 12 Jan 2015 06:54:09 GMT

Lol marine!! Dang! Look at those. sexy scores! I'm soooo jealous!

Re: Capital One approved after BK 7

Anonymous — Mon, 12 Jan 2015 07:05:40 GMT

@MarineVietVet wrote:

LMAO. When a moderator pulls out the popcorn, we know we've got quite a show!

Re: Capital One approved after BK 7

MarineVietVet — Mon, 12 Jan 2015 07:09:40 GMT

@Anonymous wrote:
@MarineVietVet wrote:
LMAO. When a moderator pulls out the popcorn, we know we've got quite a show!

It's actually an attempt to prevent a show!!

Re: Capital One approved after BK 7

alvon123 — Mon, 12 Jan 2015 12:05:08 GMT

congrats!!!

Re: Capital One approved after BK 7

Anonymous — Mon, 12 Jan 2015 14:26:01 GMT

@MarineVietVet wrote:
@Anonymous wrote:
@MarineVietVet wrote:
LMAO. When a moderator pulls out the popcorn, we know we've got quite a show!
It's actually an attempt to prevent a show!!

Anyhow, does pulling out a popocorn mean anything?

Am I missing something? Does that mean this posts are entertaining or is it sarcasm?

Why aren't the mods shutting these ''unreal posts''? Maybe T&C does not allow unless reaaalllyy neccessary?