topic Re: Capital One Credit Card After Bankruptcy in Bankruptcy

Capital One Credit Card After Bankruptcy

Anonymous — Sat, 21 Jul 2012 18:16:49 GMT

Hope everyone is having a great start to the weekend. New here and wanted to post this question. I filed chapter 7 and was discharged June 2011. I included a Capital One mastercard. As I am now rebuilding, just sent off a set of letters to the three bureuas to clean up items I learned about on here (thanks for the advice). I started with First Premier and am tempted to try for a capital one card to move away from FP's high annual fees. According to the Cap 1 card finder I am preapproved for the green cash rewards or classic platinum cards, since I included them in my bankruptcy is there really a possibiity of getting a new card? I have to waste the inquiry for a failed attempt. If I can get a cap 1 card again it will be time to hit the garden. Thanks for any advice.

Re: Capital One Credit Card After Bankruptcy

aussiesareforever — Sun, 22 Jul 2012 00:52:49 GMT

Capital One was gracious enough to give me another card about two months after my discharge.

I included two of their accounts in my BK and one of them had filed a suit in court just before I filed.

Your milage may vary but there are also many other reports on here of people getting their cards post discharge. Good luck!

Re: Capital One Credit Card After Bankruptcy

Anonymous — Sun, 22 Jul 2012 12:51:45 GMT

Your mileage will vary. The Capital One preapproval process is usually pretty accurate. My DW and I were both approved for the Platinum Classic but only she was preapproved for the Cash Rewards and we did not include Capital One in BK even though we had accounts with them previously but had closed them way before we filed.

Re: Capital One Credit Card After Bankruptcy

hawaii12 — Sun, 22 Jul 2012 13:17:12 GMT

Yes I would say all of you are very lucky I was discharge in June and I was denied for a capital one and credit one which I have never had before and have not received any other offers yet. So me and my wife just applied for a secured card with our credit union for 550

Re: Capital One Credit Card After Bankruptcy

Anonymous — Sun, 22 Jul 2012 13:26:24 GMT

Have you tried First Premier?

Re: Capital One Credit Card After Bankruptcy

hawaii12 — Sun, 22 Jul 2012 14:43:31 GMT

I haven't tried first premier cause I listed them in my BK ch7. I was told by first premier that I will have to wait 3 years to apply with them again. Me and my wife just read up on the apsire builder loan that you have applied for and thinking about applying

Re: Capital One Credit Card After Bankruptcy

Anonymous — Sun, 22 Jul 2012 16:25:23 GMT

I got first premier within two months of discharge and offered a second card six months later. Have to admit other than the fees and high interest rate if you don't pay in full each month hasn't been a bad experience. Since its about time for my annual fee for next year was hoping to start transitioning into something like Cap One but since I included them in my bankruptcy wasn't sure how that would go even if preapproved on their website. Its funny how everyone's story is different but yet so alike in many aspects. See a lot of people file on creditors that give them new cards again soon after and then others never get approved again, Its a crazy gain these companies play.

What is the apsire building loan? Haven't heard about that one before.

Re: Capital One Credit Card After Bankruptcy

hawaii12 — Mon, 23 Jul 2012 00:20:52 GMT

I recviced this info from comet21 once i read the reviews i will forward the website.

Re: Capital One Credit Card After Bankruptcy

Anonymous — Mon, 23 Jul 2012 03:05:58 GMT

maybe its not just after discharge maybe its score after discharge? don't understand why some get it and some don't after BK.

Re: Capital One Credit Card After Bankruptcy

Anonymous — Tue, 24 Jul 2012 22:21:24 GMT

Yea same here I was just discharged 2month ago and I figured wth I'll give it a shot!
Cap1 approved me for a CC immediately and within the first month they already reported to my credit.
My score went from 576 to 591 soon as they reported.
Great company plus I even filed on a cap1 card in my bankruptcy

Re: Capital One Credit Card After Bankruptcy

grassfeeder — Wed, 25 Jul 2012 02:50:56 GMT

I have absolutely no data to back this up - but perhaps it may make a difference as to how much your balance was that you included in your BK with C1?

I could see them not being to willing to lend a hand if you had a 30k balance when filing versus a 300........

Re: Capital One Credit Card After Bankruptcy

Anonymous — Wed, 25 Jul 2012 22:56:33 GMT

Thanks for the advice. I bit the bullet and went for it after checking the preapproval form online, Got approved for a cash rewards card with $1,000 limit. These forum is full of great advice, by paying off my cards last month was able to get approved for a number of offers just 18 months post bankruptcy. I am now planning to move into the garden to grow my little seedlings and work on getting a few errors cleaned off my reports. Thanks one and all for all the great advice.

Re: Capital One Credit Card After Bankruptcy

Anonymous — Mon, 30 Jul 2012 03:36:47 GMT

OMG! i thought i was the only one they did that too! i discharged a chapter 7 in Feb 2005 and not even 3 months later...A capital one card showed up in the mail!

Re: Capital One Credit Card After Bankruptcy

Anonymous — Fri, 20 Jun 2014 18:44:39 GMT

Just wanted to say hello to everyone. Im new to this

Re: Capital One Credit Card After Bankruptcy

mommy2mimi — Fri, 20 Jun 2014 23:08:41 GMT

I also burned capital one in my bk. They approved me for a secure card 200 limit and a classic card 300 limit. These are my 1st 2 cc.

Re: Capital One Credit Card After Bankruptcy

0REDSOX7 — Sat, 21 Jun 2014 01:03:03 GMT

How much did you burn them for? I can't even get them to look at me. :-(

Re: Capital One Credit Card After Bankruptcy

bunga7 — Sat, 21 Jun 2014 15:27:20 GMT

@0REDSOX7 wrote:
How much did you burn them for? I can't even get them to look at me. :-(

I burned them for $800 and they won't look at me either.

Re: Capital One Credit Card After Bankruptcy

mommy2mimi — Mon, 23 Jun 2014 17:29:35 GMT

I believe I burned them for well over 2000-3000 bucks

Re: Capital One Credit Card After Bankruptcy

Jagajaga — Wed, 25 Jun 2014 03:43:08 GMT

I was discharged from Bk on 5/22 I included Cap 1 in my BK filing. On 6/1 i was approved for 1k limit with Capital One. So there is hope. Hope this helps you.

Re: Capital One Credit Card After Bankruptcy

RCFL — Wed, 25 Jun 2014 06:59:04 GMT

I burnt CapOne in my Bk7 back in 2010 for like 3k or less. Now I am holding their QS1 with 3k limit and got instant approval for their Venture Card on Sunday night with a credit limit of 10k. I have no idea how or why I got approved because that card is supposedly reserved for those with "excellent" credit. I am happy. I couldn't believe the approval was real and called CapOne today to check the status of my application. The lady said I was approved ! Now I know I am not dreaming. My first 10k limit visa signature card. All my other cards are under 3.5k limit.