BK& - Capital One (NEED HELP)

[mscandy83]

That's awesome!  Did you end up getting secured credit cards to help you build up your score to get this Capital One card? Thanks!

[ChameleonBob]

I burned them for 7k and my CH7 was discharged in 01/24. As of 5/25 they won't let me in. I can't even use credit wise and they won't create a new account so I can use the app. The time frame for getting back in is really wild from what I understand. The thing that gets me is the people who burn them for 50k+ and get back in within a year and some for a few hundred still can't after many years. 

[isaemm76]

Yeah, they won't let me back in. Burned them for about $3,500, bk7 filed April 2024, discharged August 2024. So I'm 13 months post filing and 9 months post discharge and I still keep getting the reason for denial is my usage of previous account is not consistent with cap 1s policies, or something like that. I check the prequal site the 1st of each month and get the same exact reason.