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For anyone who has gone through BK and had CapOne included, about how long after discharge did they let you back in? I'm 2 months post now and their prequal site still says nothing offered at this time. So far I have been approved for a Discover It Secured, Overstock, and Kohls. The latter two are going to be use once a month and PIF, the Discover has all of our small recurring monthly items and is PIF as well.
I'd like to get the GMBuyPower card and I see that it's a CapOne card.
Usually 1 yr after being IIB. YMMV
I'll have to keep checking every now and then. Still nothing offered today.
It took me about 14 months after filing to get back in. I checked the prequal site monthly until it said I was pre-qualified. They will let you back in but it may take a little time. Good luck on your rebuild!
They let me back in 8 months post discharge. I burned them for $1500. I refinanced my car with them five months post discharge so I'm not sure if that played a part in it.
I didn't have anything via the pre-qualification so I just cold apped. When I did it at the time I refinanced the car, it was an auto decline but they didn't pull my credit. At 8 months, they pulled all three.
13 Months after CHARGE OFF date
@Anonymous wrote:For anyone who has gone through BK and had CapOne included, about how long after discharge did they let you back in? I'm 2 months post now and their prequal site still says nothing offered at this time. So far I have been approved for a Discover It Secured, Overstock, and Kohls. The latter two are going to be use once a month and PIF, the Discover has all of our small recurring monthly items and is PIF as well.
I'd like to get the GMBuyPower card and I see that it's a CapOne card.
For me, 12 months post discharge and just a heads up; the prequal site dissed me every single time but with no hard pull.
I finally decided to app it outright and BINGO! Approved with a $500 CL.
The approval resulted in a hard pull.
They'll let you back in...just depends on which door you choose to knock on to ask.