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9 day post CH 7 Discharge Capital One approval

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
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.
Message 4 of 16
Regular Contributor

Re: 9 day post CH 7 Discharge Capital One approval

Congratulations!

Capital One Platinum MasterCard, $300 Credit Limit.



Credit One Platinum Rewards Visa, $400 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.
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, $300 Credit Limit.



Credit One Platinum Rewards Visa, $400 Credit Limit.


Chapter 7 Discharge: March 13, 2019

Message 10 of 16