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Hi, I filed BK7 in June 2017 and discharged Sep. 2017. Beginning 2018 I had an unsecured CreditOne card (not Capital One) and two secured cards (sub-prime). I applied and was approved for Capital One Platnium in June 2018 with $300 limit. I recently applied and approved for Capital One Quicksilver with $300, just got the card today in mail. So generally, you should be approved for Capital One either one year after filing OR discharging from BK7. From my experience, it's one year after filing, which coincidentally is also one year after the Capital One chargeoff when I burned them in BK7. I don't have experience with other companies. My FAKO is upper 500/lower 600. Not sure of my FICO, but around 550 I think. YMMV
stay away from any more predator cards.
stay away from store cards you won't use often and receive great rewards.
Check Cap One prequalifications. I got a $3k unsecured card right after BK.
Check Discover prequalification. They are BK friendly (may need to wait a year)
Check Merrick prequalification. I got $1800 and never paid a penny in fees or interest.
Those 3 prequals are solid.
You do not need to open any more predator cards.
Time will help. Within a year, you might have 2-3 non pred cards.
YMMV.
GL!
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
File date. That starts all of the process. Discharge is just part of the filing date.
Cap One is very forgiving and can be very generous.
Time will help.
I burned them 5 years ago.
Look at my signature.
YMMV. GL!
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!