topic Re: new credit post discharge! in Bankruptcy

new credit post discharge!

jayy_sc — Tue, 06 Nov 2018 23:07:18 GMT

Hi everyone! Just wanted to share some insight. I ended up filing for CH 7 BK on July 2018. Had my 341 meeting August and waited for discharge, which just came in yesterday 10/5! I checked online PACER and status shows case closed. So i went on to the Capital One pre qualify website and it showed I was pre qualified for 2 of their cards. I pulled the trigger and got an instant approval on the Quicksilver One for a 1k CL! I'm glad capone was so forgiving and allowing me back in after burning them for 10k! Just wanted to share and let others know, there are possibilites fresh out of discharge (: I learned my lesson with previous experience and will definitely take care of my credit from here on out.

Re: new credit post discharge!

FireMedic1 — Wed, 07 Nov 2018 00:41:28 GMT

Congrats and go slow. Dont get the fever and go app crazy. Next app should be in 4-6 months. Wish you would have asked first. If the Plat was available you should have gone after that one. QS1 will be a hard one to combine and so on. But thats hindsite now.

Re: new credit post discharge!

CashBackQueen — Wed, 07 Nov 2018 12:35:06 GMT

Congrats! And yes, listen to FireMedic. This forum is full of great advice from people who have been where we are (I'm rebuilding from a BK as well). It helps to go in with a game plan
The QS1 is a good start, I love the unlimited cash back. You'll probably be able to product change to the no-AF QS in a few months.

Re: new credit post discharge!

Anonymous — Wed, 07 Nov 2018 19:38:26 GMT

Ive been discharged since July as went to capital ones website to see what I was prequalified for.....

"it looks like we can’t provide you with any pre-qualified offers at this time."

NADA. lol.

And I didnt burn them.

It did say however that based on my answers I might like the capital one platinum card??

Re: new credit post discharge!

FireMedic1 — Thu, 08 Nov 2018 00:00:53 GMT

@Anonymous wrote:
Ive been discharged since July as went to capital ones website to see what I was prequalified for.....

"it looks like we can’t provide you with any pre-qualified offers at this time."

NADA. lol.

And I didnt burn them.

It did say however that based on my answers I might like the capital one platinum card??

I'd give it 6 months after your file date and try again. Or try going incognito on chrome and try again now after cleaning your cookies. I'd even try Disco secured. Check their pre-qual page. If Plat comes up on Cap1 grab it. GL!!!!!!!!!

Re: new credit post discharge!

mspenny — Thu, 08 Nov 2018 00:08:32 GMT

Congrats on the discharge and good luck with the rebuild. I started with C1. I found them most forgiving.

Re: new credit post discharge!

Anonymous — Fri, 09 Nov 2018 18:24:42 GMT

congrats! I was discharged 10/12/18 and burned capital one for $3k, i checked their prequal site but still no offers for me. Hoping they will let me in again soon.

Re: new credit post discharge!

MP15_556 — Tue, 13 Nov 2018 01:08:22 GMT

Capital One sometimes seems to be very inconsistent with approvals. I was discharged on Sept 18th and apped for the Platinum the day after discharge and was approved for $3,000.
I filed CH 13 and Cap One was IIB, not only that they sued me for the $1,200 I burned them for. I was a AU on my wifes Cap One card when I applied. Maybe that has something to do with it.

Re: new credit post discharge!

Anonymous — Wed, 28 Nov 2018 21:06:24 GMT

Even though th preapproval site was a no go, I did get a preapproval letter in the mail that contained a approval code (i belive it was called) I figured, "What the heck". So I applied and was approved for the Cap 1 Platnum mastercard with $0 anual fees, 0% intro APR and a 3k CL. I was suprised it was that much actually. It also said after 5 month my CL could go up.

Re: new credit post discharge!

Anonymous — Thu, 29 Nov 2018 00:11:09 GMT

Good to know! I still have a month til D/C

Re: new credit post discharge!

Anonymous — Thu, 29 Nov 2018 00:15:23 GMT

Awesome, DebtZilla!