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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
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Frequent Contributor

Re: 9 day post CH 7 Discharge Capital One approval

Congratulations on your discharge and the approval... 😀



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Message 2 of 16
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New Contributor

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
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Super Contributor

Re: 9 day post CH 7 Discharge Capital One approval

Which card? Secured or unsecured?





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 4 of 16
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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
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Senior Contributor

Re: 9 day post CH 7 Discharge Capital One approval

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 6 of 16
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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
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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 CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP


FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 8 of 16
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Super 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. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 9 of 16
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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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