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Cabela's Visa Approved! 6 months post BK7

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Ficoaddict2012
Established Member

Cabela's Visa Approved! 6 months post BK7

Just got approved for Cabela club Visa for $1000, 6 months post BK7. Here are the cards I currently have for rebuilding:

 

Discharged 12/2015

 

Credit one -- $300 ( 01/2016)

Merrick bank -- $600 (04/2016) -- will double the limit in 6 months on time payment

Milestone gold card -- $300 (04/2016)

Cabela Visa -- $1000 (06/2016) -- EQ 616

 

I'm done until I get a capital one card. I'm still blacklisted. I know these a couple of these have high fees but that's what i gotta pay for rebuilding. I am very pleased right now. 

Message 1 of 12
11 REPLIES 11
TXinandout
Frequent Contributor

Re: Cabela's Visa Approved! 6 months post BK7

You are doing good, keep it up !
BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 2 of 12
holmesnmanny
Contributor

Re: Cabela's Visa Approved! 6 months post BK7

I just want to note something about Capital One. I thought I was blacklisted too because I don't get any prequalified offers AND no online application gets passed the "too many outstanding delinquent capital one" denial with no credit pull so I called up and did an app over the phone and it came back with an immediate approval for a quicksilver mastercard at $300. Not really worried about the starting line I'm just glad I got in the door. 

Pro Se Chapter 7 discharged July 2015
Message 3 of 12
TXinandout
Frequent Contributor

Re: Cabela's Visa Approved! 6 months post BK7

Wow that's interesting, when was your capital one debt charged off or discharged? Did you do this with a regular customer representative?

 

Thank you.


@holmesnmanny wrote:

I just want to note something about Capital One. I thought I was blacklisted too because I don't get any prequalified offers AND no online application gets passed the "too many outstanding delinquent capital one" denial with no credit pull so I called up and did an app over the phone and it came back with an immediate approval for a quicksilver mastercard at $300. Not really worried about the starting line I'm just glad I got in the door. 


 

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 4 of 12
Scupra
Super Contributor

Re: Cabela's Visa Approved! 6 months post BK7


@Ficoaddict2012 wrote:

Just got approved for Cabela club Visa for $1000, 6 months post BK7. Here are the cards I currently have for rebuilding:

 

Discharged 12/2015

 

Credit one -- $300 ( 01/2016)

Merrick bank -- $600 (04/2016) -- will double the limit in 6 months on time payment

Milestone gold card -- $300 (04/2016)

Cabela Visa -- $1000 (06/2016) -- EQ 616

 

I'm done until I get a capital one card. I'm still blacklisted. I know these a couple of these have high fees but that's what i gotta pay for rebuilding. I am very pleased right now. 


Congrats on the approval! I agree, hit the garden for a bit until you can get some cards to replace those starter cards Smiley Happy Good luck!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 5 of 12
Datx
Valued Contributor

Re: Cabela's Visa Approved! 6 months post BK7


@holmesnmanny wrote:

I just want to note something about Capital One. I thought I was blacklisted too because I don't get any prequalified offers AND no online application gets passed the "too many outstanding delinquent capital one" denial with no credit pull so I called up and did an app over the phone and it came back with an immediate approval for a quicksilver mastercard at $300. Not really worried about the starting line I'm just glad I got in the door. 


Wow, congrats! I'm in the same situation, where any online app I do with them gets me the very same reason you listed. I mailed them a re-con letter just a few days ago, but if that doesn't work out, I may call them to apply over the phone in a few more weeks. Good info, and thanks for sharing. 

Message 6 of 12
SSH0126
Established Contributor

Re: Cabela's Visa Approved! 6 months post BK7

Hi

 

What was your credit score pre and post BK


@Ficoaddict2012 wrote:

Just got approved for Cabela club Visa for $1000, 6 months post BK7. Here are the cards I currently have for rebuilding:

 

Discharged 12/2015

 

Credit one -- $300 ( 01/2016)

Merrick bank -- $600 (04/2016) -- will double the limit in 6 months on time payment

Milestone gold card -- $300 (04/2016)

Cabela Visa -- $1000 (06/2016) -- EQ 616

 

I'm done until I get a capital one card. I'm still blacklisted. I know these a couple of these have high fees but that's what i gotta pay for rebuilding. I am very pleased right now. 


 

Message 7 of 12
Anonymous
Not applicable

Re: Cabela's Visa Approved! 6 months post BK7

Congrats
Message 8 of 12
TXinandout
Frequent Contributor

Re: Cabela's Visa Approved! 6 months post BK7

I sent CAP 1 executive office a letter in regards to auto and CC denials without pulls yesterday, today someone called and said she will talk to someone and will call me back next Tuesday, I will let you know.
BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 9 of 12
TXinandout
Frequent Contributor

Re: Cabela's Visa Approved! 6 months post BK7

Correction: It wasn't a letter, it was an email.
BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 10 of 12
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