topic Re: Capital One Auto Navigator in Bankruptcy

Capital One Auto Navigator

bigred1967 — Sun, 23 Aug 2020 23:26:25 GMT

I was curious as to how long after your BK Discharge before Capital One prequalificaion showed up?

Re: Capital One Auto Navigator

Anonymous — Tue, 25 Aug 2020 02:43:32 GMT

I can't get prequalified for any of their credit cards but they did preapprove me to get one of their auto loans and I'm six months out from discharge.

I took the 3 hard pulls (which I didn't know I'd get) and was denied. Thought they would just say, 'hey you burned us it's a no but instead they said no and gave me three hard pulls for my trouble.

Stay away from them for credit cards until atleast a year from discharge. If you even want to go back to them. I'm so done with them.

Re: Capital One Auto Navigator

gorgon — Wed, 26 Aug 2020 14:00:19 GMT

My BK7 discharged in Sept. 2018 and I purchased a new vehicle at a low rate through Cap1 Auto Navigator in Nov. 2018

Re: Capital One Auto Navigator

KINGTRAUMATIC — Fri, 28 Aug 2020 06:52:24 GMT

It took 12 months for me, burned in BK. I was eligible for credit card products at the same time. YMMV.

Re: Capital One Auto Navigator

SH3L8Y — Mon, 31 Aug 2020 18:41:41 GMT

I had a prequal offer from them show up within the first month after my BK discharge. I just bought a car in June - 4 months after. Dealer was able to beat the Cap1 rate though so I ended up not using it.

Re: Capital One Auto Navigator

twono — Tue, 01 Sep 2020 21:50:50 GMT

For those of you that replied to this thread saying that you were pre-quailified, it would be nice to know for others if CapOne was burned in youur BK or not.

I'm 11 months post DC and have been checking for CapOne pre-quals every month or so since the 6 mos mark, and just recently got an offer for a card and Autofinance for $35k at a rate of 5-6%. Not bad at all if you ask me and yes, i burned them for about $35k.

I'm not getting their card and im not buying a vehicle. The prequal just tells me i'm headed in the right direction.

Re: Capital One Auto Navigator

Dj4Money — Wed, 02 Sep 2020 12:52:58 GMT

First Time = 6 months

Results: Interest was too high to get what wanted with the amount down required by Capital One

Waited 45 days to pay off balances and those cards to report

Second time through I got better rate and got what I wanted.

Rate before would have been 18-21%, my second approved rate was 13.2%

Before I was discharged I was approved by Westlake via Carmax but didn't take it.

Discharged Sept 2019, bought the Forte GT June 2020

So 9 months from discharge.

Re: Capital One Auto Navigator

gorgon — Thu, 03 Sep 2020 14:24:50 GMT

@twono wrote:
For those of you that replied to this thread saying that you were pre-quailified, it would be nice to know for others if CapOne was burned in youur BK or not.

I did not burn Cap1 in my BK7