If CapOne says you are pre-approved, that is a 99.99% guarantee that you will get the card you apply for. I've never heard of or seen CapOne give a denial after a pre-approval. And even though you burned them, CapOne is one of the most forgiving out there. I would go for the QS since that's a rewards card and the Platinum is just a basic no frills card.
Ally would be another one that is BK friendly. I got in with them when it was still Ollo (before Ally bought them) and it was one of the first cards I got after my discharge.
So with you ML card you already have, a CapOne card, and an Ally card, that would be the 3 needed for optimum FICO scoring while starting out your rebuild.
I would suggest, if you are eligible to apply, open a savings account with NFCU because they are a BK friendly CU and their cards tend to grow rather quickly the longer you are with them. So if you can open an account there, down the line, that would be a great place to add an additional card in the future.
Good luck going forward with your rebuild!
Ally would be another one that is BK friendly. I got in with them when it was still Ollo (before Ally bought them) and it was one of the first cards I got after my discharge.
So with you ML card you already have, a CapOne card, and an Ally card, that would be the 3 needed for optimum FICO scoring while starting out your rebuild.
I would suggest, if you are eligible to apply, open a savings account with NFCU because they are a BK friendly CU and their cards tend to grow rather quickly the longer you are with them. So if you can open an account there, down the line, that would be a great place to add an additional card in the future.
Good luck going forward with your rebuild!
@CaneVariant I will be 10 months post discharge on March 8th. I have a pre-approval now from Capital One site for both the Platinum & Quicksilver One and on Credit Karma it is showing Excellent odds for a Capital One Savor and Capital One Venture card.
I'm seeing that to rebuild, I should get 3 cards. I was approved for Mission Lane last night.
So my question is - Should I apply for two more cards immediately or is it better to wait and do them one at a time over several months? And if I do apply since I have pre-approvals right now - which two, out of the ones I listed, should I apply for?
Did not realize that I could have started this months ago. I have been getting offers in mail for months and am just now starting to rebuild. Any and all tips appreciated! 
@heather06 wrote:Thank you @MileHigh96 for your insights!
I did not go through with the Cap1 app last night as I didn't know whether it would get approved. I'm back on Credit Karma and have the following cards showing with Outstanding/Excellent odds of being approved.
Ally Platinum - $0 Annual Fee
Ally Everyday Cash Back - $0 Annual Fee
Capital One Platinum - $0 Annual Fee
Capital One Savor Cash Rewards - $0 Annual Fee
Capital One Venture One Rewards -$0 Annual Fee
Capital One Quicksilver One - $39 Annual Fee
When I go to Capital One pre-approval page - it only shows these two cards:
Capital One Platinum - $0 Annual Fee
Capital One Quicksilver One - $39 Annual Fee
I thought I read to NOT get a card with an annual fee when you were rebuilding. What two would you recommend applying for to get to my 3 cards? Not sure which ones would be better. Want to make sure that I am being strategic about the next steps I take to optimize my ability to get back to those great credit scores.
Appreciate your input and guidance so much! Thank you.
Ah, my bad, I didn't realize you said Quicksilver One which has the annual fee, I thought it was the no AF QS card. Definitely go with the Platinum then because as @FicoMike0 said, you will be able to PC that to a better card in just a few months. Avoid AF cards at all cost if possible.
As for the discrepancy between what CK is telling you about CapOne approval odds versus what the CapOne site is telling you, I would lean towards the CapOne site being the one I would believe more. So if you pull the trigger with CapOne, I would go directly through them. But with the Ally cards, they are invitation only, so if you have an invite for one through CK, then definitely apply for it through them I'd go with the rewards card over the plain platinum card. And if you do that, you will have your three cards to start.
As for spreading out the apps, I wouldn't at this point, I'd just apply for the other two and take the short term hit from the HP's on your credit. It only takes a few months to get those points back. Plus if you spread them out, it will keep adjusting the AAoA and that will be a hit to your score as well. After my BK was discharged, I got my first 3 cards all within two weeks of each other.
