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Capital One & Household in BK

2Bfree
Regular Contributor

Capital One & Household in BK

I hear that Captial One and Household are good places to go when looking for a company to finance a vehile.  Do they have a blacklist for the people who have included them in a BK even if it was only a credit card?
Message 1 of 5
4 REPLIES 4
dlamphere123
New Member

Re: Capital One & Household in BK

I just got a credit card from Capital one.  The funny thing is I included them with 3 credit cards from them and 1 auto loan from them on a chapter 7 bankruptcy early this year.  I would have thought they would turn me down.  It's small with only 300 limit but no anual fee.
Message 2 of 5
2Bfree
Regular Contributor

Re: Capital One & Household in BK

Did you submit your app online?  Did they tell you than or not if you was approved?  I got the 7-10 days notice and possible 15dys before receiving any info.  If I am denied should I send a reconsider letter?  I applied for Best Buy on 12/24 and receive the 7-10 instore and receive the letter 1/03/08 stating the reason for denial is due to BK. When I visited www.whogavemecredit.com it list some people receive the Best Buy card that had had a BK.  I am think about trying to send the reconsider letter.  I receive to pre-approval in the mail from CreditOne and when I applied I was denied twice.  What do you think I should do?  Things have improve since the first time I applied.  I hear they have a secured card.  Should I try that?
Message 3 of 5
CATCHMEIFYOUCAN
New Member

Re: Capital One & Household in BK

Depending on how long you've been out of BK. You'll get a way better interest rate with a credit union and the credit union I'm suggesting everyone to just being out of BK myself is
 
 
I come from another forum, which I don't think I'm allowed to mention on here but they have helped throughout my BK ordeal during and after. This woman was out of Bk for 2 years and got 6.50% interest on a new car loan. I applied but they do not finance 72 months so I have to wait a bit and get my loan paid down. I'm currently with CAP ONE at 12%, I was with HSBC at 15%. CAP ONE just took over my loan so I'm saving $5000 IF I were to pay my car off over the extent of 72months HOWEVER, I plan to knock it off earlier than THAT!
 
Best of Luck to you all ! Catchmeifyoucan
Message 4 of 5
bamagirl1
Established Contributor

Re: Capital One & Household in BK

CATCHMEIFYOUCAN-
 
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