Currently looking to try and open a Venture X with C1 within the next 6 months and was wondering if anyone with a BK on their credit history has had any luck? For reference, I filed in 2018. I currently have two C1 cards. QS $5,350 limit and a new SavorOne with a $1,000 Limit. I also have a Mercury card for $2,350. Being my track record with Capital one currently, I'd really like to open a "Premium" credit card since Amex and Chase are out of the question - atleast for a while.
While not the X, I recently was approved for the C1 Venture 6.8 years post bk13.
My history with C1 - was approved for plat mc 1 month post discharge for 1k limit. Over the past 2 years, with heavy usage, it has grown to 6150 limit almost all auto cli. I checked the upgrade page and it showed I was eligible to upgrade to Venture but I decided to apply cold to get the welcome bonus and eat the inquiries. Was approved at 10k starting limit.
Current scores are TU - 800, Eq - 710 and Ex recently jumped to 702. Bk removed from TU early exclusion. EX and EQ still have the bk showing as the only negative. 0% utilization across the board.
I am currently a little over a year from bankruptcy but a couple months ago I was able to upgrade my quicksilver card to the regular Venture rewards. You may be able to get the Venture X that way. Only thing with upgraded cards you do not get the new card benefits I believe.
I had a CH7 BK 11/2014
11/9 was approved for Venture X $30,000 limt 23.99APR EQ FICO 714
I also have a Savor that I have grown to $21,500 limit, regular Venture $6,500 limit heavy usage on both $5-6000 a month total
I recently closed a QS with a $5,000 limit with no recent usage to make room for this card
1% UTI, I PIF every month before statement cuts (the past 26 or so months, for a few years before that I carried a balance)
Capital one has been very good to me - even before my previous baddies dropped off