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In reading the boards and seeing how many people were getting approved for the Capital One Venture card, I had to give it a try. My BK 7 discharged 07/13 and I have a car loan and 4 credit cards with limits ranging from $1500-$3000. Much to my surprise, i was approved with a CL of $10,000. Prior to BK I had a wallet(and sock drawer) full of cards with $10,000+ limits, but I thought it would be many years before I got another one.
Just goes to show that if you handle your credit properly post bankruptcy, creditors will give you another chance. And yes, Capital One was included in the BK
@pooragain wrote:In reading the boards and seeing how many people were getting approved for the Capital One Venture card, I had to give it a try. My BK 7 discharged 07/13 and I have a car loan and 4 credit cards with limits ranging from $1500-$3000. Much to my surprise, i was approved with a CL of $10,000. Prior to BK I had a wallet(and sock drawer) full of cards with $10,000+ limits, but I thought it would be many years before I got another one.
Just goes to show that if you handle your credit properly post bankruptcy, creditors will give you another chance. And yes, Capital One was included in the BK
Congratulations.....It sure is so refresshing to see another success story with Capital One. They were my first credit card post BK 7, Thanks for sharing your story with us.
Wow. Congrats. What is your scores?
to this day, Capital One refuses to even look at me.
Auto decline without an app pull.
Oh well, I am on to bigger and better things.
Congrats!
I agree!
We are about 34+ days post discharge on Chapter 7 and burnt Capital One with two cards.
I just got a Quicksilver in the mail this week after applying. Small limit, but got my foot back in the door.
Grateful for the second chance.
I burned them for 3k, they gave me 2 cards post discharge and recently one card reached 6 months. Auto CLI for 3k. Go figure. Im happy. I know it's not the prime card many of us seek but the limits and cash rewards are reasonable and easy to manage.
Yeah... CapOne was great in helping me get started with my rebuild. My $1000 and $500 cards I opened in 2013 are now $4000 and $2750.
Neither sees much use and I was recently denied a CLI due to "CapOne is evaluating usage at current credit limit"... never seen that one before but I'm fine with it. I have better cards with better rewards and these cards are pretty much sock drawered anyway... good for padding the UTI. The 1.5% cash back isn't bad and I use the cards occasionally once I've reached my 5% caps each month with Sallie Mae.
I haven't apped for the Venture although I've heard it's the latest and greatest thing going on... I don't want the triple credit pull and I've also been told my CapOne that they limit you to 2 accounts. Whether that's true or not I have no idea because their reps are pretty clueless... at any rate I don't need the card.
@somotao wrote:
@pooragain wrote:In reading the boards and seeing how many people were getting approved for the Capital One Venture card, I had to give it a try. My BK 7 discharged 07/13 and I have a car loan and 4 credit cards with limits ranging from $1500-$3000. Much to my surprise, i was approved with a CL of $10,000. Prior to BK I had a wallet(and sock drawer) full of cards with $10,000+ limits, but I thought it would be many years before I got another one.
Just goes to show that if you handle your credit properly post bankruptcy, creditors will give you another chance. And yes, Capital One was included in the BK
Congratulations.....It sure is so refresshing to see another success story with Capital One. They were my first credit card post BK 7, Thanks for sharing your story with us.
Mine also. They remain my oldest CC at 17 years.
scores are between 650-670
Thank you! Where you pre-selected" before? Can't remember if you said that.