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@pizza1 wrote:
Oh, and I burned Cap One in my BK and didn't even know it! They apparently owned my Neiman Marcus acct, and burned them for $500 roughly, so they are definitely bK friendly!!
congrats! However, I would graden a lot longer than December if you want Discover. You'll need a good solid post-BK payment history and a score North of 675 IMHO.
@grassfeeder wrote:
@pizza1 wrote:
Oh, and I burned Cap One in my BK and didn't even know it! They apparently owned my Neiman Marcus acct, and burned them for $500 roughly, so they are definitely bK friendly!!congrats! However, I would graden a lot longer than December if you want Discover. You'll need a good solid post-BK payment history and a score North of 675 IMHO.
Agreed.. Not sure if Discover is a card I would tackle after a year! Congrats and good luck!
Congrats on your approval. With Capital One you are probably in their builder program. If so you will see an increase after 6 months on time payments.
Congratulations....I think you will have a good chance with Discover in a year. I was able to get a discover and barclays card a year after my capital one approval.
Hello everyone I am new to the FORUM, I wanted to say that I filed CH7 in October of 2013, and discharged Dec 18,2013. I read this part of the post "checking the Captial One "pre qualified" site like almost daily, and nothing!!! It would always say " we can't match our records to you, but from the data entered we recommend these "... So tried it tonight , same thing and got same message, but this time I decided to just bite the bullet and apply" - Im telling you I must of read it over and over for about 30 min, I said what the heck and went for it, filled the app online, pressed enter and gulped, crossed my fingers, I had no idea what was going to happen, but I knew it was either 50/50 yeah or neah, well the next sccreen said congratulations your approved for $1000.00. I nearly fell out of my chair! OMG- and I had a cap one secured card included in the BK! WOW - and I filled oiut the remaining info for online management of the account, my card arrives in 7-10 bus days. I still can't beleive it, I never had an unsecured card of that amount IN MY LIFE!!!! I want to say thank you the person that shared their story for it would not have happened (taking a chance that is) had I not read this post! ANd special thanks to all who share the info here to help others! GOD BLESS ALL OF YOU!!! I only know my middle scoe which is 586 according fico scorewatch. I am excited to start this journey and improve my credit, goal is a new car 6-7 mo from now and a house a year from now or maybe 2 years I think? any suggestions I would appreciate as I am a newbie! Perhaps another friendly post BK dept store card? and when to apply for it, thanks again !!!!!
Welcome to the forums! You will absolutely find all the info you need to rebuild here. There are two really good threads in the bk forum, I would suggest reading those to start. One is how to bk to 700 in 24 months and the other is, bk friendly credit cards. That will give you plenty of reading to get you started! Congrats on the approval, make sure to read the terms in the approval letter bc you are probably in the credit steps program. That means an auto CLI at 6 months as long as you pay on time!