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Cap 1 secured

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cartwrna
Valued Contributor
‎09-08-2018 12:52 PM
‎09-08-2018 12:52 PM

Cap 1 secured

Got curious with the 1 year post C/O vs the 1 year post discharge argument. Me and wife filed 8/03/18 and included capital one with around 30k balances between the both of us. They were charged off anywhere from 2-3 years ago. Had 341 meeting 8/30/18 and lawyer said we were ok to start rebuilding. Decided to apply for the secured card. Wife was approved with a $49 deposit, I was approved with a $200 deposit. Mine being higher I assume due to I still have quite a few accounts not showing as IIB. Hope this helps others!
Don’t take your credit for granted, use it with care! These days, catch me in the bankruptcy forum!?
Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable
‎09-09-2018 05:53 AM
‎09-09-2018 05:53 AM

Re: Cap 1 secured

That's why Capital One is a re-builder's best friend. Smiley Happy

Message 2 of 7
FireMedic1
Community Leader<br> Mega Contributor</br>
Community Leader
Mega Contributor
‎09-09-2018 11:19 AM
‎09-09-2018 11:19 AM

Re: Cap 1 secured

Congrats!


Message 3 of 7
SweetCreditObsession
Valued Contributor
‎09-09-2018 11:42 AM
‎09-09-2018 11:42 AM

Re: Cap 1 secured

Congratulations!


(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023




Message 4 of 7
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Anonymous
Not applicable
‎09-10-2018 02:04 PM
‎09-10-2018 02:04 PM

Re: Cap 1 secured

Congrats! Treat them right, use the card responsibly and Cap1 will take care of you.
Message 5 of 7
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nursepower
Frequent Contributor
‎09-14-2018 02:08 PM
‎09-14-2018 02:08 PM

Re: Cap 1 secured

Were they included in your bankruptcy?

BK DC 10/18/18
Walmart $400 | Target $500 | Playstation Visa $750 | Petco MasterCard ? | Best Buy Visa $2000 | Cap 1Quicksilver $2500 | Ollo $2700 | Kohl's $3000 | Comenity $3200 | Dell $4000 | Skypoint FCU $5000
Last app 6/2/21
Message 6 of 7
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cartwrna
Valued Contributor
‎09-14-2018 04:46 PM
‎09-14-2018 04:46 PM

Re: Cap 1 secured

Yes, for around 30k give or take. Quit paying all their cards 2-3 years ago though so they all we’re charged off quite some time ago. We are not discharged yet, had 341 on August 30th.
Don’t take your credit for granted, use it with care! These days, catch me in the bankruptcy forum!?
Message 7 of 7
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