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Capital One let me back in today...but barely.

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Contributor

Capital One let me back in today...but barely.

I burned CapOne for just shy of $3k over two cards in my BK7.

It's been about a a year since my discharge and on a whim I apped them this morning and was approved for the basic Platinum card with a $500 CL.

Now, believe you me...I'm not mad.

I'm happy they even opened the door when I knocked but I've seen others on myFICO issued a starting line of $2-$3k.

I want to get rid of CreditOne before the annual fees hit but even those sharks showed me more love than CapOne.

Advice? 


5 REPLIES
Valued Contributor

Re: Capital One let me back in today...but barely.

Just run a bunch of money through request a CLI on the third month and then get your credit steps the 5th it might get to $3K
Amex Green| Capital One Quiksilver $21.5K| Marriott Rewards $7K| Spark Cash Select $6K| Citi Platinum Select AAdvantage $6.4K| Citi Double Cash $6K| Chase Freedom $5K| NCSECU $5K| Discover IT $2.9K| Citi Forward $2.9K|
Message 2 of 6
Community Leader
Super Contributor

Re: Capital One let me back in today...but barely.

Exactly what icyhot said! Those sharks give you a higher limit in hopes to hook you Smiley Wink
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k 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
Message 3 of 6
Valued Contributor

Re: Capital One let me back in today...but barely.

@texasguppie...The mods will likely clean this up, but just for your info....double posting is a no no, it causes confusion and makes the subject hard to follow.    EDIT::: sorry @texasguppie....a different user posted basicaly the same thing at the same time...I'm the idiot!!!





TU fico08=810 08/29/18
EX fico08=796 09/05/18
EQ fico08=811 09/05/18
EX fico09=797 08/01/18
EQ fico bankcard08=827 08/28/18
Garden since 07/02/18
Message 4 of 6
Contributor

Re: Capital One let me back in today...but barely.

No harm; no foul.

Message 5 of 6
Valued Contributor

Re: Capital One let me back in today...but barely.

I am not sure when you saw others being approved for 2 to 3K after discharge, but I think Cap One has changed alot in the last 6+ months. They seem to have gotten more tighter in my opinion. 

Message 6 of 6