topic Re: Are they serious? Capital One PERMANENT Blacklist!!! in Rebuilding Your Credit

Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Thu, 17 Mar 2016 22:59:10 GMT

Again to brief my issue: I filed for BK7 little more than a year ago (March 9th). I had to include Capital One for measly $300 limit and no other Capital One cards or co-branded cards.

I checked pre-qual often, nothing comes up....I once a while cold app'ed, still denied WITH no credit pull. I decided to send e-mail to Capital One's CEO office. I got the letter explaining how pre-qual works (I didn't ask them that question!) They told me any other questions or concerns, I should call them with secured PIN# provided in the letter.

So I called them and they keep transferring me to "correct" department, the agent spoke with higher level about WHEN will my blacklist ends since most people's BL ended up to a year. They told the agent that my Blacklist is PERMANENT! (no reason given!)

So here I am bringing that info on this awesome board to get your thoughts on that.

(sheese! PERMANENT? for THAT!?!?) LOL!

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Thu, 17 Mar 2016 23:01:01 GMT

That sucks. They usually pretty forgiving.

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Fri, 18 Mar 2016 00:13:43 GMT

I was wondering if I was having the same issue with Capital One. I paid off a charged-off account with them, cooperatively and politely. I never missed a single monthly payment during the payoff process and then payed the remainder in full when I had the money. I've tried the pre-qual since then and each time nothing.. I would really like to add another major card to my portfolio since right now I only have two with low limits, but even though my score has increased substantially, I've had no luck.

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Fri, 18 Mar 2016 01:10:24 GMT

@Anonymous wrote:
Again to brief my issue: I filed for BK7 little more than a year ago (March 9th). I had to include Capital One for measly $300 limit and no other Capital One cards or co-branded cards.

I checked pre-qual often, nothing comes up....I once a while cold app'ed, still denied WITH no credit pull. I decided to send e-mail to Capital One's CEO office. I got the letter explaining how pre-qual works (I didn't ask them that question!) They told me any other questions or concerns, I should call them with secured PIN# provided in the letter.

So I called them and they keep transferring me to "correct" department, the agent spoke with higher level about WHEN will my blacklist ends since most people's BL ended up to a year. They told the agent that my Blacklist is PERMANENT! (no reason given!)

So here I am bringing that info on this awesome board to get your thoughts on that.

(sheese! PERMANENT? for THAT!?!?) LOL!

Sorry to hear that. Don't understand it. You're profile is improving by leaps and bounds every day. I had a charge off with them that I paid off,. They only approved me initially for a secured card, so I took it, and then a couple of months ago, the prequal showed up for Venture and QS. Are you going to send another email asking why your blacklisted permanently? It sounds like someone was just being a butt that day. Will they not even consider you for a secured card? I had to regain their trust and the secured card was my only way in. At least on the bright side, your in with Discover; all they offered me was a secured card, and I took it cause I wanted to get my foot back in the door again. Keep your chin up and keep moving forward. Have you checked to make sure that your "blacklist" doesn't have anything to do with your ex-spouse? I can understand Chase and Citi blacklisting, but not Cap 1. Remember this is only a minor setback. This to shall pass.

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Fri, 18 Mar 2016 01:17:02 GMT

I finally got one after 3 years after i paid the CO....

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Fri, 18 Mar 2016 02:21:35 GMT

I'm having the same issue. I get transferred many of times. They tell me everything looks good and apply. Needless to say, get denied.

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Fri, 18 Mar 2016 02:42:51 GMT

Usually it's 1-2 years post discharge. How soon before filing had you gotten the card and how much did you owe at the time?

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Fri, 18 Mar 2016 03:12:45 GMT

@Anonymous wrote:
Usually it's 1-2 years post discharge. How soon before filing had you gotten the card and how much did you owe at the time?

According to my CR, that card was opened in July 2014. My ex charged it up and didn't tell me about it. I beleive it was $340's when I included it in my BK7 in March 2015.

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Fri, 18 Mar 2016 03:13:59 GMT

@Anonymous wrote:
I'm having the same issue. I get transferred many of times. They tell me everything looks good and apply. Needless to say, get denied.

Same here! They keep telling me to try again. I keep telling them to tell me WHEN my blacklist will end (most don't know about it till today). Ugh!

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Fri, 18 Mar 2016 03:20:26 GMT

@Anonymous wrote:
Sorry to hear that. Don't understand it. You're profile is improving by leaps and bounds every day. I had a charge off with them that I paid off,. They only approved me initially for a secured card, so I took it, and then a couple of months ago, the prequal showed up for Venture and QS. Are you going to send another email asking why your blacklisted permanently? It sounds like someone was just being a butt that day. Will they not even consider you for a secured card? I had to regain their trust and the secured card was my only way in. At least on the bright side, your in with Discover; all they offered me was a secured card, and I took it cause I wanted to get my foot back in the door again. Keep your chin up and keep moving forward. Have you checked to make sure that your "blacklist" doesn't have anything to do with your ex-spouse? I can understand Chase and Citi blacklisting, but not Cap 1. Remember this is only a minor setback. This to shall pass.

Me neither! I've seen on this board that others filed BK7 with $ Thousands burned at Capital One YET they got it shortly after their discharge I mean I'm glad they got it early enough to rebuild their credit, I have no problem with them getting it but Capital One is sure a strange bank LOL!

My BK was the sole reason from a divorce (ex wife charged up and left me badly in debt) She walked away with 800+ credit score and ZERO debt following the divorce. But karma bit her hard, she trashed her own credit incuding Capital One & Kohl's! I checked all of my CR to make sure she didn't apply as joint or include my name which she hasn't thus far.

Yes, a minor setback yet none of this makes sense

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Fri, 18 Mar 2016 07:36:20 GMT

@Anonymous wrote:
I was wondering if I was having the same issue with Capital One. I paid off a charged-off account with them, cooperatively and politely. I never missed a single monthly payment during the payoff process and then payed the remainder in full when I had the money. I've tried the pre-qual since then and each time nothing.. I would really like to add another major card to my portfolio since right now I only have two with low limits, but even though my score has increased substantially, I've had no luck.

A lot of people here never actually get an "OFFER" on the Cap1 pre-qual site but are approved for CC's with them when they app. The best part is that if you go ahead and enter your info in the pre-qual site it will not ding your credit unless you are sent to the full app page and you complete it. You will not even get there if you don't pass the pre-qual stats and with your scores you should get the QS1 and Platinum CC's without a problem.

Example: With scores almost identical to yours I NEVER got an OFFER for either CC but when I app'd them I was approved for both. After a month with the cards I PC'd the Plat. to a QS and at the 60-day mark got CLI's of $1000 on both. Since, I've app'd and was approved for the Quicksilver VISA Signature card with a $3K CL but if I go to the pre-qual site today I get no OFFER Just did it again and got this;

Gary, we couldn't match your records to a card offer. But based on your answers, we think you might like this card.

I actually have 3 Cap1 CC's, have PC'd on, got CLI's on 2 and was approved for the VISA siggy but no "OFFER"

I started a thread on this very thing a couple of weeks ago and many have commented so look it over and take a shot at the site. App the Platinum 1st and if you are approved app the QS1 immediately then you should get 2 CC's with 1 set of HP's.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/No-Offer-Cap1-Pre-qual-site/m-p/4484934

Let us know how it goes...

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Fri, 18 Mar 2016 07:48:05 GMT

@Anonymous wrote:
Again to brief my issue: I filed for BK7 little more than a year ago (March 9th). I had to include Capital One for measly $300 limit and no other Capital One cards or co-branded cards.

I checked pre-qual often, nothing comes up....I once a while cold app'ed, still denied WITH no credit pull. I decided to send e-mail to Capital One's CEO office. I got the letter explaining how pre-qual works (I didn't ask them that question!) They told me any other questions or concerns, I should call them with secured PIN# provided in the letter.

So I called them and they keep transferring me to "correct" department, the agent spoke with higher level about WHEN will my blacklist ends since most people's BL ended up to a year. They told the agent that my Blacklist is PERMANENT! (no reason given!)

So here I am bringing that info on this awesome board to get your thoughts on that.

(sheese! PERMANENT? for THAT!?!?) LOL!

Hmmmm, that just makes no sense! Although I didn't have a BK I did have a CO'd acct (just finished getting it EE'd from all 3B's this week) with them and have a PR (Judgment, not due to come off till 2022) and I was able to get 3 CC's with them so far. I can't imagine a "Permanent" blacklist for that amount.

I don't know anything about the BK process but is yours discharged? You say "I filed for BK7 little more than a year ago (March 9th)." and we are still in March so you may not actually be outside your 1yr mark at this point. I tend to think this is NOT a permanent ouster from the club and would simply say give it a month and try the site again. I answered another poster here with info about that process below. Check it out and keep us updated. This is one I want to follow through to the end because I'm rooting for you and it is an important issue for others.

Blessings and Godspeed...

Re: Are they serious? Capital One PERMANENT Blacklist!!!

lindsaydruart — Fri, 18 Mar 2016 13:42:56 GMT

The hard rule for Cap 1 is 12 months since last late payment/delinquency etc. You filed in March 2015 so your year isn't quite up yet because that date would likely be around the time you had your meeting of creditors. Don't focus on the prequal site. I've never gotten a prequal and I have 3 Cap1 cards in my wallet. Give it a few months. The reps don't always know what they are talking about. Try to app again in May.

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Sat, 19 Mar 2016 00:51:23 GMT

@Anonymous wrote:
@Anonymous wrote:
Again to brief my issue: I filed for BK7 little more than a year ago (March 9th). I had to include Capital One for measly $300 limit and no other Capital One cards or co-branded cards.

I checked pre-qual often, nothing comes up....I once a while cold app'ed, still denied WITH no credit pull. I decided to send e-mail to Capital One's CEO office. I got the letter explaining how pre-qual works (I didn't ask them that question!) They told me any other questions or concerns, I should call them with secured PIN# provided in the letter.

So I called them and they keep transferring me to "correct" department, the agent spoke with higher level about WHEN will my blacklist ends since most people's BL ended up to a year. They told the agent that my Blacklist is PERMANENT! (no reason given!)

So here I am bringing that info on this awesome board to get your thoughts on that.

(sheese! PERMANENT? for THAT!?!?) LOL!
Hmmmm, that just makes no sense! Although I didn't have a BK I did have a CO'd acct (just finished getting it EE'd from all 3B's this week) with them and have a PR (Judgment, not due to come off till 2022) and I was able to get 3 CC's with them so far. I can't imagine a "Permanent" blacklist for that amount.

I don't know anything about the BK process but is yours discharged? You say "I filed for BK7 little more than a year ago (March 9th)." and we are still in March so you may not actually be outside your 1yr mark at this point. I tend to think this is NOT a permanent ouster from the club and would simply say give it a month and try the site again. I answered another poster here with info about that process below. Check it out and keep us updated. This is one I want to follow through to the end because I'm rooting for you and it is an important issue for others.

Blessings and Godspeed...

Tell me about it! Yes it was fully discharged.

I also cold app'ed this morning again without going to pre-qual page for regular platium mastercard and still denied WITHOUT any HP or credit pulls! I could try again next month and see how it goes.

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Sat, 19 Mar 2016 00:55:51 GMT

@lindsaydruart wrote:
The hard rule for Cap 1 is 12 months since last late payment/delinquency etc. You filed in March 2015 so your year isn't quite up yet because that date would likely be around the time you had your meeting of creditors. Don't focus on the prequal site. I've never gotten a prequal and I have 3 Cap1 cards in my wallet. Give it a few months. The reps don't always know what they are talking about. Try to app again in May.

Hmmm Filed 3/9/15 and I think my 341 Meeting was in April 12th and then got discharge notice as of June 17th. The main reason why I want to get back with Capital One is to replace Merrick Visa which was my first card 2 months post discharge, with $72 annual fee. I want a card that has no AF (and hopefully with rewards-type).

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Sat, 19 Mar 2016 01:49:27 GMT

@Anonymous wrote:
@lindsaydruart wrote:
The hard rule for Cap 1 is 12 months since last late payment/delinquency etc. You filed in March 2015 so your year isn't quite up yet because that date would likely be around the time you had your meeting of creditors. Don't focus on the prequal site. I've never gotten a prequal and I have 3 Cap1 cards in my wallet. Give it a few months. The reps don't always know what they are talking about. Try to app again in May.
Hmmm Filed 3/9/15 and I think my 341 Meeting was in April 12th and then got discharge notice as of June 17th. The main reason why I want to get back with Capital One is to replace Merrick Visa which was my first card 2 months post discharge, with $72 annual fee. I want a card that has no AF (and hopefully with rewards-type).

Correct me if I'm wrong...you got the Merrick card in August 2015. Do you have to pay the fee monthly-or just annually? I'm not familiar with the card, so I don't know how they bill the annual fee. Sound as though your 1 year technically isn't until June 18th (1 year and 1 day), so there is still some hope. Are you eligible for NCFU? I believe I read somewhere on the forum that they are bankruptcy friendly. I know your anxious to get rid of Merrick bank, but you might have to hold unto it a little longer to get what you really want down the road.

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Sat, 19 Mar 2016 06:00:59 GMT

@Anonymous wrote:
Correct me if I'm wrong...you got the Merrick card in August 2015. Do you have to pay the fee monthly-or just annually? I'm not familiar with the card, so I don't know how they bill the annual fee. Sound as though your 1 year technically isn't until June 18th (1 year and 1 day), so there is still some hope. Are you eligible for NCFU? I believe I read somewhere on the forum that they are bankruptcy friendly. I know your anxious to get rid of Merrick bank, but you might have to hold unto it a little longer to get what you really want down the road.

I paid $72 when I activated it. I'm not sure if Merrick will bill me full $72 this upcoming August.

I never served in the Miltiary so I'm not eligible for NCFC.

I have time between now and August which I would hope to obtain one more card without AF to replace Merrick then I'll garden till I'm eligible to apply for mortgage in June of 2017 (2 years post BK discharge).

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Sat, 19 Mar 2016 07:29:12 GMT

@Anonymous wrote:
@lindsaydruart wrote:
The hard rule for Cap 1 is 12 months since last late payment/delinquency etc. You filed in March 2015 so your year isn't quite up yet because that date would likely be around the time you had your meeting of creditors. Don't focus on the prequal site. I've never gotten a prequal and I have 3 Cap1 cards in my wallet. Give it a few months. The reps don't always know what they are talking about. Try to app again in May.
Hmmm Filed 3/9/15 and I think my 341 Meeting was in April 12th and then got discharge notice as of June 17th. The main reason why I want to get back with Capital One is to replace Merrick Visa which was my first card 2 months post discharge, with $72 annual fee. I want a card that has no AF (and hopefully with rewards-type).

I thank God I didn't have to go the BK route and I don't know anything about dates and discharges but Lindsaydruart is right about Cap1 "Hard Rule". Also, there are more reasons to be back in with Cap1 and I'm sure you know them too. The great thing is the app costs you nothing unless you get approved so (as hard as it is) you just need to wait them out and try every week.

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Sat, 19 Mar 2016 12:55:04 GMT

@Anonymous wrote:

@Anonymous wrote:
Correct me if I'm wrong...you got the Merrick card in August 2015. Do you have to pay the fee monthly-or just annually? I'm not familiar with the card, so I don't know how they bill the annual fee. Sound as though your 1 year technically isn't until June 18th (1 year and 1 day), so there is still some hope. Are you eligible for NCFU? I believe I read somewhere on the forum that they are bankruptcy friendly. I know your anxious to get rid of Merrick bank, but you might have to hold unto it a little longer to get what you really want down the road.
I paid $72 when I activated it. I'm not sure if Merrick will bill me full $72 this upcoming August.

I never served in the Miltiary so I'm not eligible for NCFC.

I have time between now and August which I would hope to obtain one more card without AF to replace Merrick then I'll garden till I'm eligible to apply for mortgage in June of 2017 (2 years post BK discharge).

Thanks for the clarification. Since technically it hasn't been a year, sounds like you still have a shot with Capital One. Remember there are good CSRs and bad CSRs. The one time that I contacted EO they were very nice (didn't accomplish what I hoped for, but they weren't abrupt like your experience). Did you get the specific person that sent you the message or did they just give you someone? I was given a pin#, but also the name and extension of someone specific in the EO office. You have a good, solid plan. Does the postal workers have a credit union that you might be able to join? I'm a member of both PenFed and SDFCU. SDFCU hasn't sent me any offers for credit cards yet, but I've recently been sent offers for personal loans. I still have a long way to go with PenFed (have too many new accounts and available credit for them), but maybe someday. Keep up the good work and know that time is on your side this time.

Re: Are they serious? Capital One PERMANENT Blacklist!!!

Anonymous — Sat, 19 Mar 2016 17:52:55 GMT

@Anonymous wrote:
@Anonymous wrote:
@lindsaydruart wrote:
The hard rule for Cap 1 is 12 months since last late payment/delinquency etc. You filed in March 2015 so your year isn't quite up yet because that date would likely be around the time you had your meeting of creditors. Don't focus on the prequal site. I've never gotten a prequal and I have 3 Cap1 cards in my wallet. Give it a few months. The reps don't always know what they are talking about. Try to app again in May.
Hmmm Filed 3/9/15 and I think my 341 Meeting was in April 12th and then got discharge notice as of June 17th. The main reason why I want to get back with Capital One is to replace Merrick Visa which was my first card 2 months post discharge, with $72 annual fee. I want a card that has no AF (and hopefully with rewards-type).
I thank God I didn't have to go the BK route and I don't know anything about dates and discharges but Lindsaydruart is right about Cap1 "Hard Rule". Also, there are more reasons to be back in with Cap1 and I'm sure you know them too. The great thing is the app costs you nothing unless you get approved so (as hard as it is) you just need to wait them out and try every week.

Skybuilder,

I'm glad you didn't went BK route. I did everything I could to avoid BK but couldn't. I used to have 800+ FICO scores till divorced ruined my credit.

That's true, I could keep cold apping without HP but don't want to waste one ONCE they do...LOL!