How long after DISCHARGE AND CHARGE OFF capital one

[Anonymous]

How long after charge off AND discharge can i apply for a capital one credit card. And if anyone can share stories with me about this that would be great THANK YOU!!!

[Anonymous]

You should try their pre-qualify process first and see if they have any offer for you. That's only a Soft Pull on your credit reports. Our Ch 7 case is still open and not discharged yet. But last week both DW and I were approved for their Platinum card with $3000 SL each. She was pre-qualified for that card but I wasn't. I applied for it anyway with the intention of doing a recon (and ask for a secured card) if they didn't approve it. But thankfully they approved me for a $3000 SL.

[Anonymous]

Wow what an amazing success story. If i may ask how long were you charged off before you applied? With them again??

[raisemysc0re]

I was approved about 4 months after discharge for the QS for 10K

This was after I opened a small auto loan, secured Credit One CC ($500) and then a FirstBank CC (1K) 

I was very surprised and happy with the SL of Capital One. I thought it would take over a year before I saw 5 digit credit lines!

Timeline for me:

Discharge 06/2016

Auto Loan 7K opened 7/2016

Credit One secured 8/2016

Capital One 10/2016

[Anonymous]

But how long were you charged off before you applied not discharged if you even burned them

[raisemysc0re]

Sorry,

I didn't read your post close enough.

I did not burn CapOne in BK

[nykos5000]

The general consensus is that you have to be at least one year post C/O IF you burned CapOne. For example, I was current with both of my CapOne cards right up until I filed so technically my C/O was 30 days post file date as they apparently wait a month after your official file date before officially marking the account as a C/O. I was able to get back with them one year later after my official C/O date. There are some ppl who had C/O years before their file date and get back with CapOne the day after they're D/C. 

Side note, the Prequalifier site did not offer me anything but applied anyway and was approved for a $3k QS1. 

[cartwrna]

That’s awesome Nykos! Me and my wife are the ones who had scores in the 700s, but waited 2 years after I quit paying everything, and 4 years after my wife quit paying to actually file. Capital One was burned for around 20k (this is accounts they sold and still owned 1-2 of my accounts.). There’s a chance I can get back in right after bankruptcy discharges? We would like to get into an SUV using the capital one auto navigator, and I would have around 40% to put down on a 25k loan due to getting to keep a financed car the bank never put a lien on (like winning the lottery). Did think about going for a lease through Ford though as I have a buddy who works in the bad loans finance area of a local ford dealership who has gotten it done before. Scores are still in the mid 400s currently though, but a few accounts are not showing 0 balances and IIB yet.

[kberly69]

I understand it's one year after charge-off. I checked their preapproval while awaiting my discharge and was approved but as I went through the application process, the fine print said they would deny anyone currently in BK proceedings (something like that). I chickened out and waited the week or so to officially apply. I got a Platinum at $3000 and did Credit Steps to make it $3800. I eventually closed that one and now have a QS and Savor at $14800 and $6000, respectively (about 2 years post discharge). 

I do know I have heard of people in this forum who got approved before discharge. I was too concerned with wasting hard pulls and it wasn't worth the risk when it just meant waiting a few days.