Will Capital One EVER love me again?

[texasguppie]

I'll celebrate my No-Asset BK7 filing 1-year Anniversary on March 31st.

Capital One was IIB on that fateful day...Two cards (QS1 and Platinum) for a total of less than $4k.

I've flirted at their Pre-Qual site a few times in recent months but there's no love interest being shown...not even a smile.

Even apped a couple of times only to get immediately shown the cold shoulder with a SP.

Will they ever hold me close again?

[Anonymous]

Are you yet worthy?

[texasguppie]

I would like to believe so.

I have kept new credit utilization under 30%, payments are all on time, and I've learned my lesson.

I'd like to be able to say goodbye to CreditOne before the annual fee hits and I'd love Capital One to be the one that allows me to do so.

With that said, I'm coming up on a graduation possibility with my CU on a secured card they gave me almost a year ago.

If that happens Cap One will become a distant memory along with CreditOne.

[nykos5000]

Remember that they only forgive when it's one year POST CHARGE OFF and not one year post file date. If your accounts were current or at least somewhat current and not yet c/o up until the day you file then Cap1 waits one month past this date to ensure that your CH7 sticks. I filed Aug 16 and I didn't get approved for QS1 until the end of Sept 17. And even then, the prequalifier did not have anything for me but I applied anyway knowing that if I was still on their blacklist they wouldn't hard pull my credit but I was approved for a QS1 and offered a Platinum. 

[texasguppie]

My BK7 was discharged July 2017.
I guess I’ll garden until August 2018 before looking for some Capital One love.

[Guyatthebeach]

You will get back in CapitalOne. Just give yourself some time. 

I got back in with CapitalOne and it was after the year 1 mark. 

When I got back in, I got a quicksilver for $1000. Credit line double on that. A few later years later, I got a Venture Card. Last year I another Capital One Quicksikver card for another 10,000. I consilated them to a total of $24k. 

My keep wroking to improve your credit. You will get back in Cap1, hust give it time.

Guyatthebeach

[Anonymous]

You will get there! I finally just got back in with them, one year and one month post filing. Similar amounts to yours IIB. It felt like forever, but I think you’re very close. Once you’re around 30 days past your filing anniversary date, give it another try. (I checked the prequalifier right before I applied and it gave me the standard “we couldn’t offer you anything” screen I’d been seeing all year, so don’t let that deter you!) Good luck!

[Anonymous]

I'm nearly 3 years post d/c and still no love from them. I wanted to get back in with them early in my rebuild, but no longer care. Their products aren't all that great IMO.

[SMTTT2012]

This is what I want to know! I’m 22 months post discharge 680 score across all three agencies, less than 20% credit utilization and six figure salary and I can’t get a **bleep** card from them. Talk about YMMV

[Anonymous]

This thread has me curious...My CapOne was charged off 4/2017. I filed Chapter 7 on 2/27/2018. If everything goes to plan, I'll discharge around 6/11/2018.

Will CapOne look at ne as a charge off of 4/2017 ir my BK activity?