topic Re: Cap One Platinum $3k Approval - 1st Post-BK7 in Credit Card Approvals

Cap One Platinum $3k Approval - 1st Post-BK7

Total80sKid — Thu, 15 Jul 2021 05:47:41 GMT

Hey all!

Well, I finally got my BK7 discharge two days ago.

I was going to wait the 30 days to make sure everything in my reports are reporting IIB and a $0 balance before applying for any credit, but I am weak.

I burned a ton of creditors back in 2018 after the loss of my stepfather (major depression lead to frivolous spending), but Capital One was not one of them. Thankfully I closed the two accounts I had with CO because I was unhappy with their growth, one was a secured around $300 and the other was around $900.

Since I hadn't burned them I felt I might have a good chance and have been checking the pre-approvals for a month or so and there was always a couple, so tonight I just went for it and did the pre-approval and the Platinum and QS1 came up, so I went with the Platinum. I know I can get a product change to a QS at some point in the future.

I thought for sure it was going to be a $300 approval, and I would have been perfectly happy with that considering where I am currently with my credit.

Well, that wheel kept spinning and kept verifying, etc and it popped back with a $3k approval! Way more than I had expected and I am more than content with this limit.

I will be holding off on future credit applications until my reports are 100% accurate and since I am a NFCU member, I plan on getting a SSL and then an nRewards, which will be my daily driver, since I am fully banking with them now.

Thanks to the great group of people on these boards for sharing such valuable information over the years to educate people like me. I am very much a reader here, more than a poster, since my credit knowledge is very limited.

SL: $3k

APR: 26.99

EQ: 563 AAOA: 5yrs, 10 months (old AU)

TU: 499 AAOA: 0

EX: 526 AAOA: 0

Income: Just under $12k

Re: Cap One Platinum $3k Approval - 1st Post-BK7

TekkenQQ7 — Wed, 14 Jul 2021 08:43:39 GMT

Congratulations, for the discharge and the approval.

Re: Cap One Platinum $3k Approval - 1st Post-BK7

SweetCreditObsession — Wed, 14 Jul 2021 09:31:49 GMT

Congratulations!

Re: Cap One Platinum $3k Approval - 1st Post-BK7

CreditAggie — Wed, 14 Jul 2021 12:42:12 GMT

Congratulations on your Capital One Platinum approval!

Re: Cap One Platinum $3k Approval - 1st Post-BK7

M_Smart007 — Wed, 14 Jul 2021 15:17:25 GMT

@Total80sKid, Congrats on being post BK7 and your Cap1 approval ..(Happy Dance)

Wishing you the best on your rebuild

Re: Cap One Platinum $3k Approval - 1st Post-BK7

Papa_Bear — Wed, 14 Jul 2021 16:01:16 GMT

Awesome! Congrats on the discharge and approval and good luck with your rebuild!

Re: Cap One Platinum $3k Approval - 1st Post-BK7

sourpuss29 — Wed, 14 Jul 2021 16:20:34 GMT

Congrats on your approval!🎉

Re: Cap One Platinum $3k Approval - 1st Post-BK7

SUPERSQUID — Wed, 14 Jul 2021 17:47:12 GMT

CONGRATS

Re: Cap One Platinum $3k Approval - 1st Post-BK7

TSlop — Wed, 14 Jul 2021 18:25:49 GMT

Congrats on your approval!

Re: Cap One Platinum $3k Approval - 1st Post-BK7

Mr_Mojo_Risin — Wed, 14 Jul 2021 19:51:25 GMT

@Total80sKid

80s kid showing up with a sweet one!

Congratulations on your Platinum approval and good luck with your rebuild!

Re: Cap One Platinum $3k Approval - 1st Post-BK7

coreyb80 — Wed, 14 Jul 2021 19:54:56 GMT

Congrats on the approval!

Re: Cap One Platinum $3k Approval - 1st Post-BK7

FinStar — Thu, 15 Jul 2021 05:55:27 GMT

Glad to hear things are shaping up after BK and congrats on the Capital One approval 👍 Very decent SL indeed vs your prior experiences with them. Definitely a celebratory milestone @Total80sKid 😀

Re: Cap One Platinum $3k Approval - 1st Post-BK7

surferchris — Thu, 15 Jul 2021 06:11:46 GMT

Congratulations on your great progress!

Re: Cap One Platinum $3k Approval - 1st Post-BK7

gdale6 — Thu, 15 Jul 2021 15:05:45 GMT

Grats on a good start post BK 7

Re: Cap One Platinum $3k Approval - 1st Post-BK7

blindambition — Thu, 22 Jul 2021 19:34:52 GMT

Well that one ain't bucketed!!! Congrats on that fantastic approval!! #NewBeginnings2021!

Re: Cap One Platinum $3k Approval - 1st Post-BK7

user979797 — Sat, 24 Jul 2021 02:22:35 GMT

Congrats on your first post BK7 account with Capital one. That's a terrific SL to help you build your scores.

Re: Cap One Platinum $3k Approval - 1st Post-BK7

ToofDoc — Sat, 24 Jul 2021 14:46:24 GMT

@Total80sKid wrote:
Hey all!

Well, I finally got my BK7 discharge two days ago.

I was going to wait the 30 days to make sure everything in my reports are reporting IIB and a $0 balance before applying for any credit, but I am weak.

I burned a ton of creditors back in 2018 after the loss of my stepfather (major depression lead to frivolous spending), but Capital One was not one of them. Thankfully I closed the two accounts I had with CO because I was unhappy with their growth, one was a secured around $300 and the other was around $900.

Since I hadn't burned them I felt I might have a good chance and have been checking the pre-approvals for a month or so and there was always a couple, so tonight I just went for it and did the pre-approval and the Platinum and QS1 came up, so I went with the Platinum. I know I can get a product change to a QS at some point in the future.

I thought for sure it was going to be a $300 approval, and I would have been perfectly happy with that considering where I am currently with my credit.

Well, that wheel kept spinning and kept verifying, etc and it popped back with a $3k approval! Way more than I had expected and I am more than content with this limit.

I will be holding off on future credit applications until my reports are 100% accurate and since I am a NFCU member, I plan on getting a SSL and then an nRewards, which will be my daily driver, since I am fully banking with them now.

Thanks to the great group of people on these boards for sharing such valuable information over the years to educate people like me. I am very much a reader here, more than a poster, since my credit knowledge is very limited.

SL: $3k
APR: 26.99
EQ: 563 AAOA: 5yrs, 10 months (old AU)
TU: 499 AAOA: 0
EX: 526 AAOA: 0
Income: Just under $12k

That's great that you applied BEFORE your BK7 reflected on your credit reports. Smart!

Re: Cap One Platinum $3k Approval - 1st Post-BK7

Conraddj — Sat, 24 Jul 2021 15:11:56 GMT

Congrats on approval. I ust got into NFCU yesterday it's so excting . Wish you all the best

Re: Cap One Platinum $3k Approval - 1st Post-BK7

FireMedic1 — Sun, 25 Jul 2021 16:24:51 GMT

Congrats @Total80sKid ! Right where I started out of BK with the Plat. Let it begin.......

Re: Cap One Platinum $3k Approval - 1st Post-BK7

Crowhelm — Sun, 25 Jul 2021 17:01:54 GMT

Considering your credit scores and just recent discharge that is an amazing CL. Congrats on the card and use it wisely