I filed CH 7 in feb 2018 it was discharged in May. I get offers from Capital One in the mail, but when I use the prequalify tool I always get this message - "we've observed activity on a prior capital one account, that isn't consistent with our expectations..."
The card I had was discharged for about $400. I even tried to call and pay what was discharged and was told I couldn’t do that. Anyone else have this happen? And how long until you got back in with them? Is there anything else that I can do because been almost 5 years! or should i
@DatGalMoe wrote:And how long until you got back in with them? Is there anything else that I can do because been almost 5 years!
Keep waiting. I included Cap One in my Feb 2017 Ch 13 and they just opened the door for me in January... nearly 6 years later with a $500 QS card. It's not much... but it's a CB card with no AF so I'm pretty happy with it.
I don't much care about the account but I'm going to use it a lot... hope for a CLI down the road... and later on (in 2024 when my reports are clean) apply for their better cards. I had a $10k Venture previously along with some other high limit cards.
Things are tightening up with CO's, Repo's, forclosures, auto loans, ect on the rise. Might be the new no soup for you comment.
That's really odd considering this forum is loaded with people getting right back in with Cap one me included. I believe I got back in after Including them in bk in less then a year
@Rogue46 wrote:That's really odd considering this forum is loaded with people getting right back in with Cap one me included. I believe I got back in after Including them in bk in less then a year
Yes, but on the other hand, as @FireMedic1 mentions, things are tightening up it seems. In 2014 I was just a few days post discharge and Cap 1 let me back in. I burned them. Internal policies change and they may be adjusting to the current environment.
NFCU Visa 30k | NFCU Platinum 30k | Cap1 QS 12K | Cap1 QS 11.5K | Barclay MC 9k | Delta Gold Amex 30K | Discover IT 14K | CFNA FS 3200 | CareCredit 20k| Paypal Credit 5k |
@donkort wrote:There's other credit card servicers....
This. No way I would sweat not getting back in with them right now. I definitely consider the other comments about things getting more stringent by lenders as correct. The roller coaster ride is about to pick up speed and get bumpy with all that seems to be happening. Fed comments, Markets last week after and SVB anyone?
It appears Capital one no longer wants to take risk with people who previously filed bankruptcy. I have two cards directly with them that have a $3600 and $600. Now when I tried to get a CLI the only reason is due to bankruptcy which they never used since I was discharged in 2020.
