topic Re: Capital One Question in Bankruptcy

Capital One Question

Anonymous — Fri, 25 Nov 2016 03:53:22 GMT

December 6 will mark 1 year from both of my Capital One accounts being closed. I was wondering if I should apply the day of december 6th, or if I should wait a few days?
Also should I try the pre-approval and app for what it tells me? If there is no pre-approval what should I apply for?

I burned them for about $1000 combined on Plat and QS.

Re: Capital One Question

Bonafacio — Fri, 25 Nov 2016 06:03:13 GMT

I think I applied before 1 year. I did have Barclay before for a bit before applying for C1. They were on my list. I'm pretty sure I did wait until something showed up in pre-approved.
I'd say try the pre-approved offer. Maybe try Barclay if there isn't an offer.

Re: Capital One Question

Anonymous — Sat, 26 Nov 2016 14:27:28 GMT

I can't do Barclays, I burned them as well, unfortunately

Re: Capital One Question

Bonafacio — Sun, 27 Nov 2016 07:04:31 GMT

So I lied. I am terrible with dates and it seems so long ago.

Discharged 10/2012

Credit One 3/2013 - 11/2013
Barclay 10/2013

Discover 12/2015

Capital One 4/2016

So I'd stick to working on the Credit One and seeing what other cards you pre-approve for.

Re: Capital One Question

Taoron — Mon, 28 Nov 2016 14:36:34 GMT

Hello.. once you do start being pre-approved for cap1, it could be for venture card and quiksilver if you get another card and manage it well before than!

Re: Capital One Question

Scupra — Tue, 29 Nov 2016 17:30:31 GMT

@Anonymous wrote:
December 6 will mark 1 year from both of my Capital One accounts being closed. I was wondering if I should apply the day of december 6th, or if I should wait a few days?
Also should I try the pre-approval and app for what it tells me? If there is no pre-approval what should I apply for?

I burned them for about $1000 combined on Plat and QS.

You can do this daily to see if anything pulls up. Doesn't hurt your credit at all

Re: Capital One Question

Anonymous — Thu, 01 Dec 2016 22:15:31 GMT

@Scupra wrote:
@Anonymous wrote:
December 6 will mark 1 year from both of my Capital One accounts being closed. I was wondering if I should apply the day of december 6th, or if I should wait a few days?
Also should I try the pre-approval and app for what it tells me? If there is no pre-approval what should I apply for?

I burned them for about $1000 combined on Plat and QS.
You can do this daily to see if anything pulls up. Doesn't hurt your credit at all

I have been, I haven't seen anything yet, but should I wait until I see something pop up or just app for something on Dec 6 or 7?

Re: Capital One Question

Anonymous — Thu, 01 Dec 2016 23:54:04 GMT

@Anonymous wrote:
December 6 will mark 1 year from both of my Capital One accounts being closed. I was wondering if I should apply the day of december 6th, or if I should wait a few days?
Also should I try the pre-approval and app for what it tells me? If there is no pre-approval what should I apply for?

I burned them for about $1000 combined on Plat and QS.

You should use the pre-qualifier, and app for what it tells you - you will recognize this by seeing it specifically noted as prequalified at the top with a specific APR.

If there is no pre-qual, you should not apply at all and try back in a day or 3 - repeat until you see a pre-qual and go for that

Re: Capital One Question

Scupra — Fri, 02 Dec 2016 18:02:49 GMT

@Anonymous wrote:
@Anonymous wrote:
December 6 will mark 1 year from both of my Capital One accounts being closed. I was wondering if I should apply the day of december 6th, or if I should wait a few days?
Also should I try the pre-approval and app for what it tells me? If there is no pre-approval what should I apply for?

I burned them for about $1000 combined on Plat and QS.
You should use the pre-qualifier, and app for what it tells you - you will recognize this by seeing it specifically noted as prequalified at the top with a specific APR.

If there is no pre-qual, you should not apply at all and try back in a day or 3 - repeat until you see a pre-qual and go for that

I have a different view.. There is plenty of us who have been approved without a pre-qual. I am a beleiver in the pre-qual and how solid it is but I don't think you need to wait for one to apply.

Re: Capital One Question

kobe2012 — Fri, 02 Dec 2016 18:57:36 GMT

I applied with cap one almost 3 times a month and always get declined cause I burned them for almost $7000 when I filed... finally got approved last month for $1k .. cold app.. 10 months post bk7.. u can always try and if you're blacklisted, they won't pull.. good luck

Re: Capital One Question

Anonymous — Tue, 06 Dec 2016 15:12:36 GMT

Applied for Cap 1 QS... 3 months post DC.... 1 year from cap 1 closing accounts..... Decline.

Re: Capital One Question

theproblem — Thu, 08 Dec 2016 14:24:03 GMT

I stopped paying C1 last year. Burned for $4k, 3 cards.

My discharge was this September. I have a Quicksilver One and an auto loan with them now.

Re: Capital One Question

Anonymous — Fri, 09 Dec 2016 04:07:46 GMT

Just got my email from cap1... still blacklisted. No hp. Still saying there is too many delinquent past or present account with capital one

Re: Capital One Question

Anonymous — Fri, 09 Dec 2016 08:56:35 GMT

@Anonymous wrote:
Just got my email from cap1... still blacklisted. No hp. Still saying there is too many delinquent past or present account with capital one

Give it a month or 2, rinse and repeat...as you stated no pull until you actually can get in