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Capital One ????

New Contributor

Capital One ????

I applied for a capital one , and got the 7-10 message, that i get everytime and they dont even pull my credit. I tried reconing it and they said they would look into it and i would get a letter and i never did. So today i tried applying for the secured card, and got the 7-10 message . I dont understand I am 8 months post BK i have a lease, 2 other crappy cards, even got approved for a 1,000 target card after i burned them.. I got a kohls one that i know is from capital one... anyone else have trouble getting back in with capital one? 

Message 1 of 15
Senior Contributor

Re: Capital One ????

if you burned them in bk, you may be blacklisted.


time will change your status.  some people have to wait 6 months, some wait 12 months.


call them.  they tell some people the actual date.


I burned them 2 years ago.  look below.

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $500k unsecured credit in 2024.


Message 2 of 15
Not applicable

Re: Capital One ????

Matt. When was your cap 1 accounts charge off or closed ? What was the moth and year
Message 3 of 15
Established Contributor

Re: Capital One ????

I'm blacklisted as well, almost 2 months post bk. I only have credit one. No one else would approve me. My scores are EQ 599 TU 551 and EX 581 respectively

Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 4 of 15
Valued Contributor

Re: Capital One ????

Capital One forgives everyone.  They is a lender that does not have a long memory of your past.  Give it some more time.  I got in after 6 months of being discharged.  However for some it has taken even longer.  I got in with Barclay's before Capital One.  Yes at the current moment you is blacklisted but that won't last too much longer.  It is not the end of the world.  


You will get back in with them. I was frustrated with them as well when they would not approve me.  Then one day on a whim, I applied and I was approved.  I have three cards with them.  

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 5 of 15
Not applicable

Re: Capital One ????

If they aren't pulling your credit, you are definitely blacklisted. I know I was blacklisted with Barclay's and got in about a year post filing. Capital One let us back in 4 months post discharge or about 7 months after filing. Patience is always difficult when rebuilding. Good luck!

Message 6 of 15
Established Contributor

Re: Capital One ????

Am I correct in assuming the blacklist period begins when Capital One charged off your debt?


I'd have to look again, but I think for me that was in 3/2014.

Ch7 Discharge: 5/14/2016 | Target RedCard $900 | Merrick DYL $500
Message 7 of 15
Not applicable

Re: Capital One ????

3/14 or 3/15 ? If it was 3/14 you should of been good at 3/15 if it was 3/15 you should be good at 3/16. It's always a year after cap 1 closes/charges off you card that's way people get approved diferent dates post discharged but what there not looking at is when there account was closed or charged off
Message 8 of 15

Re: Capital One ????

From what I can gather, the standard blacklist is 1 year if you included Capital One, however it is less for some, even those that did include them in their bk. However, I'm not sure if that's 1 year from discharge or 1 year from filing date. 

Pro Se Chapter 7 discharged July 2015
Message 9 of 15
Not applicable

Re: Capital One ????

I guess it depends, I have had a secured card with them for a year now. Have payed on time and have had no problems. My scores have also improved to 610,607,600 since then and i still cant get the prequalify offer on the website. I know i still may get approved but i dont want to waist a hp which is why i am waiting to be prequalified.

Message 10 of 15
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