Can I get Cap One blank check auto loan if included them in bankruptcy?

[onmyway2day]

I had a credit card in good standing with them before my BK7 (filed 12/2012, discharged 4/2013). Anyone ever been approved for their blank check if they burned them in their BK? What kind of rates did you get?

Current scores: EX605 EQ631 TU591

[pizzadude]

Cap1 doesn't seem to blacklist for having previous bad accounts, so you might be ok. Getting approved will probably depend on your overall credit picture. Having a very recent BK might make it difficult.

[lajntx]

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@pizzadude wrote:
Cap1 doesn't seem to blacklist for having previous bad accounts, so you might be ok. Getting approved will probably depend on your overall credit picture. Having a very recent BK might make it difficult.

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@I can confirm that they dont blacklist. I defaulted on a card with them in 2007, and in June of 2012, I  needed to buy a car and they pre-approved me @ 14.5% for 18K.... The downside was that it came with the stipulation that the check could not be used to finance any extended warranties. I ended up getting financed by Carmax with a Capital One loan for 18K that allowed the extended warranty to be added & GAP for 0 down, 72 months @ 14.99%

6 months later an idiot ran a stop sign which totalled the car and thankfully I had GAP and the loan was PIF

[gmck2006]

I was discharged 12/12 and included Capital One in my bankruptcy. I was approved a few months later with a 591 FICO (according to Capital One) for up to 23k with interest rates ranging from 7-10.99% depending on the age of the car. There weren't many stipulations and it was so much easier to negotiate a car. We made the mistake of trying to get a dealership to beat Capital One's rates and they wouldn't offer anything near that.

We negotiated like we were paying cash after that and got a van for $400 under NADA trade in value! I will use Capital One blank check if we ever have to finance again.

[lovelylisa84]

Yes you can. I had two capital one cards iib. 3 days after discharge I applied and was approved for 9.9% they used eq my score showed 601.

[lovelylisa84]

Just bought my car yesterday.

[lovelylisa84]

Sorry forgot to mention the scores were different than my fico score. I showed eq fico at 578 but it was 601 auto score & trans union fako through credit karma at 629 but dealership showed 615. You might have higher scores. The dealership swore they could get me a lower rate....they couldn't.

[onmyway2day]

Wow, that's good to know. Congrats on your car, lovelylisa! I thought I'd have to rule Cap 1 out since I burned them in the BK and they denied me on their secured cc a few weeks ago. Worth a shot! Thx for all the replies everyone!