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9 day post CH 7 Discharge Capital One approval

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Contributor

9 day post CH 7 Discharge Capital One approval

I had a Capital One card included in Bk. I was just approved for a low limit card with them for $300. I did the prequalifier and it came back positive so I applied. It just feels good to have a fresh start.
15 REPLIES 15
Regular Contributor

Re: 9 day post CH 7 Discharge Capital One approval

Congratulations on your discharge and the approval... 😀
Message 2 of 16
Established Member

Re: 9 day post CH 7 Discharge Capital One approval

Congrats on your approval thats a good start.
Starting Score: 600
Current Score: 604
Goal Score: 740


Take the myFICO Fitness Challenge
Message 3 of 16
Senior Contributor

Re: 9 day post CH 7 Discharge Capital One approval

Which card? Secured or unsecured?





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 4 of 16
Regular Contributor

Re: 9 day post CH 7 Discharge Capital One approval

Congratulations!

Capital One Platinum MasterCard, $500 Credit Limit.



Credit One Platinum Rewards Visa, $400 Credit Limit.



Indigo Platinum MasterCard, $300 Credit Limit



Chapter 7 Discharge: March 13, 2019

Message 5 of 16
Senior Contributor

Re: 9 day post CH 7 Discharge Capital One approval

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 6 of 16
Contributor

Re: 9 day post CH 7 Discharge Capital One approval

It appears to be a unsecured. It didn’t ask for the deposit. I had a secured card with them in the past.
Message 7 of 16
Frequent Contributor

Re: 9 day post CH 7 Discharge Capital One approval

Congratulations!

BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa ($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000) Jan. 2019
Target RedCard ($500) April 2019
Venus Comenity ($500) May 2019 no HP


FICO 8 SCORES: 06-02-2019616 TU613 EX638 EQ
Message 8 of 16
Senior Contributor

Re: 9 day post CH 7 Discharge Capital One approval


@Daare2dreeam wrote:
It appears to be a unsecured. It didn’t ask for the deposit. I had a secured card with them in the past.

Cool. Now here's the plan. After 3 full statements post. Get a SP CLI from the website. Use it like a debit card as if you didnt have a CC. Pay it off each month. Or each payday. On month 4's statement. Use the upgrade link and get the QS. Then the Credit Steps will kick in between 5-6 months. Go from there. After 6 months try the Disco pre-qual and see if you can get the It card. Stay away from the QS1. Its a brick and doesnt do much. And your off to better things to come. Slow and steady. Dont rush. You'll get there like I did. just takes time. Good Luck and congrats!





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 9 of 16
Regular Contributor

Re: 9 day post CH 7 Discharge Capital One approval

That’s good advice. The interest rate is probably ungodly high and it simply doesn’t make sense to carry a balance on a $300 card.

Capital One Platinum MasterCard, $500 Credit Limit.



Credit One Platinum Rewards Visa, $400 Credit Limit.



Indigo Platinum MasterCard, $300 Credit Limit



Chapter 7 Discharge: March 13, 2019

Message 10 of 16
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