topic Re: Cap One blacklist in Credit Cards

Cap One blacklist

Anonymous — Wed, 01 Mar 2017 22:45:46 GMT

I filed my chapter 13 one year ago. I did burn cap one for a measly 300 dollars but every time I try their prequal link for a CC it says no matches (due to previously charged off account). Has anyone had any luck with no being able to prequalify but app'd anyway and got approved? I see a lot of people on here burn them for 10-20k and get approved almost right after. Really want to get back in with them. They won't even prequal me for a secured card. Anyone have success?

Ps.. I know I'm in a chapter 13 and it's required that my trustee approve any additional credit. As long as it is below 5k he said it was okay.

Re: Cap One blacklist

Anonymous — Wed, 01 Mar 2017 22:46:59 GMT

Also my EQ is sitting at 598

Re: Cap One blacklist

yfan — Wed, 01 Mar 2017 23:01:26 GMT

Did you try cold-apping? Just because you don't have a pre-approval doesn't mean you are on a blacklist.

Re: Cap One blacklist

Anonymous — Wed, 01 Mar 2017 23:03:44 GMT

You think I should give it a shot? I have 7 inquiries currently

Re: Cap One blacklist

gdale6 — Wed, 01 Mar 2017 23:04:23 GMT

You are still in a bankruptcy plan and it has not yet been closed its going to be tough to get new credit though it can be done sometimes. Cap-1 doesnt have a blacklist its well known that you can reapp for a new card after 1 year passes post CO. If you are repaying them in a CH-13 I think it would be highly doubtful they would approve a new account.

Re: Cap One blacklist

happypill — Wed, 01 Mar 2017 23:07:15 GMT

I have never received a prequal for Capital One, but they approve me for everything that I app for including a $30k Venture. That said, you probably need to wait for the BK to finalize and maybe get your scores over 600 to get one of their rebuilders.

Re: Cap One blacklist

Anonymous — Wed, 01 Mar 2017 23:08:10 GMT

They aren't getting paid through my chapter 13 plan. All of my unsecured debts were charged off. I figured since my plan wasn't discharged yet that it would be a pain... ugh.... really wanting to get back in with them. Currently have USAA secured and a Fingerhut revolving account. And self lender

Re: Cap One blacklist

Anonymous — Wed, 01 Mar 2017 23:09:10 GMT

Yeah you're probably right happypill, really just wanting to get a jumpstart on my rebuild before the end of my plan in march 2019

Re: Cap One blacklist

gdale6 — Thu, 02 Mar 2017 00:13:24 GMT

@Anonymous wrote:
Yeah you're probably right happypill, really just wanting to get a jumpstart on my rebuild before the end of my plan in march 2019

If you have funds get started with a secured Open Sky card they dont check your credit to open.

Re: Cap One blacklist

Anonymous — Thu, 02 Mar 2017 00:18:17 GMT

Yeah I'm probably going to do that one next. That'll leave me with 3 revolving accounts and a secured loan reporting. I only keep a balance on my USAA secured visa. I'll try capital one after my scores are a little higher. Speaking of.... my EQ is a 598 but my TU and EX are at 539 and 529... all fico scores. I feel like it isn't normal for that big gap

Re: Cap One blacklist

MclarenF1 — Fri, 03 Mar 2017 01:14:01 GMT

I am not that familiar with BK's but is there a general way to pay back the $300 as goodwill and a way to start fresh? I am just curious as I would want to pay back a creditor in full before I expected even a reply from them.

Re: Cap One blacklist

Anonymous — Fri, 03 Mar 2017 01:15:47 GMT

See I would be more than happy to pay them the 300 I burned them for as long as they let me back in... I'm gonna try to get ahold of someone to see if they would do that

Re: Cap One blacklist

jason0618 — Fri, 10 Mar 2017 15:58:20 GMT

Good luck. I'm still on their blacklist 8 months post discharge. I IIB two accounts with them for around $3000 total. Since then, I've rebuilt with a car loan for me, a car lease for my wife with GM Financial (who we also included in the bankruptcy) several Comenity accounts (JCrew, Victoris Secret, Overstock), Kohls, and a 5/3 Bank mastercard, USAA secured Amex, and Discover secured. I apped for Capital one so I could close one of my secured cards, and 8 months post discharge, with scores in the 660s, I got declined with no credit pull. Not sure if their one year post CO blacklist is going to go by the date of filing or the date of discharge, though. We'll see.

Re: Cap One blacklist

Anonymous — Sun, 11 Jun 2017 04:34:30 GMT

Cap1 definitely blacklists! They may not practice this often but they sure blacklist some. I was able to get a Platinum with 2K SL almost immediately after discharge but my husband who had 3 of their accounts IIB for a total of $3k keeps getting denied. The response is always "too many past or present credit obligations". His apps with them never result in a hard inquiry just an instant rejection.

Re: Cap One blacklist

pip3man — Sun, 11 Jun 2017 04:58:43 GMT

but wait a minute why cant u just shell out a measly $300 and pay them back in full... it's not like it's a significant amount or are u that broke... besides if the table were to turn, would u be willing to loan money to a friend who didnt pay u in the past? U gotta be considerate... u shouldn't be complaining c'mon now

Re: Cap One blacklist

Anonymous — Sun, 11 Jun 2017 05:23:11 GMT

That's odd....

I thought we taxpayers just bailed out the banks. And not because of those who sought relief with bankruptcy but because of corporate greed?

Re: Cap One blacklist

Anonymous — Sun, 11 Jun 2017 05:30:56 GMT

mister-endowed take your condescending comments somewhere else. Reread the comments as I said I have no problem paying them back as long as they let me back in. No one was complaining. We come on these forums to acquire more information, not for someone else to tell you "$300 isn't that much" when they clearly have not been in a chapter 13 bankruptcy where you have no leftover money because the trustee takes all extra money.

Re: Cap One blacklist

Anonymous — Sun, 11 Jun 2017 05:34:46 GMT

Filing bankruptcy was one of the hardest decisions of my life. I agonized over it for years. The stress and harrassing phone calls I think even led me to miscarry. This should be a safe place to discuss our circumstances, not a place of judgment.

Re: Cap One blacklist

Anonymous — Sun, 11 Jun 2017 05:36:28 GMT

Exactly right

Re: Cap One blacklist

pip3man — Sun, 11 Jun 2017 09:08:32 GMT

This doesn't really progress the conversation --Rev, myFICO moderator