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Capital One Spark Rebuild

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New Contributor

Capital One Spark Rebuild

Hi All,

 

I thought I'd share my journey with capital one post bankruptcy. As you may know from my previous post, I was approved for a Spark Classic Card late 2018 for 2000 dollars.

 

Fast forward today, I hit the CLI button and they increased it to 6500, plus I called them and asked if there was any upgrades on my account, I took the Cash Rewards Signature Visa. Low and behold, I get the card in the mail and what do you know, it's a signature Smiley Happy

 

I don't even get that much love from my main bank which has had over 500k flow through it post bankruptcy.  Oh well.

 

Capital One will forever be in my wallet, not only did I burn them in my Bankruptcy, they've been the first bank to give me a card above 5k since my bankruptcy and the first bank that I didn't have to jump through hoops with. 

 

All scores in the 670's, but I utilize credit to extend my cashflow. So, my utilization varies 40-75%.

 

Interesting datapoint:

When I applied for both my capital one cards, Barclay quickly CLD'd my Apple card. When I was notified of the CLD, I called and closed the card on the spot. I told them I don't have time for a bank that's ego bruises faster than a banana.  I felt like I was walking on eggshells with them anyways. 

 

One other dp, I did pay both my cards down to 0 before applying for the CLI, this was approx 5300 dollars.

 

Thanks!

 

BK Discharged 11/16 Medical Debt & CC Debt due to Medical Debt
Current Cards As of 11/6/2020: Capital One Spark Cash Visa Signature Business 11000, Capital One Venture One 5500, NFCU MR 5900, NFCU Plat 7100 SYNC LOWES 4400 SYNC Sams 3500, SYNC B&H Photo 3500, TD Bank/Red 2900
Cards being axed soon: 2 Credit One (BK Builder) 850 and 900 cl's & TD Bank/Red

EQ F9 680
Message 1 of 6
5 REPLIES 5
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Community Leader
Mega Contributor

Re: Capital One Spark Rebuild

I like capital one. No problems and the cards always work.







Message 2 of 6
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New Contributor

Re: Capital One Spark Rebuild


@Brian_Earl_Spilner wrote:

I like capital one. No problems and the cards always work.



That's another thing. Their cards work. You are exactly right. 

BK Discharged 11/16 Medical Debt & CC Debt due to Medical Debt
Current Cards As of 11/6/2020: Capital One Spark Cash Visa Signature Business 11000, Capital One Venture One 5500, NFCU MR 5900, NFCU Plat 7100 SYNC LOWES 4400 SYNC Sams 3500, SYNC B&H Photo 3500, TD Bank/Red 2900
Cards being axed soon: 2 Credit One (BK Builder) 850 and 900 cl's & TD Bank/Red

EQ F9 680
Message 3 of 6
Highlighted
Regular Contributor

Re: Capital One Spark Rebuild


@titancylinder wrote:

Hi All,

 

I thought I'd share my journey with capital one post bankruptcy. As you may know from my previous post, I was approved for a Spark Classic Card late 2018 for 2000 dollars.

 

Fast forward today, I hit the CLI button and they increased it to 6500, plus I called them and asked if there was any upgrades on my account, I took the Cash Rewards Signature Visa. Low and behold, I get the card in the mail and what do you know, it's a signature Smiley Happy

 

I don't even get that much love from my main bank which has had over 500k flow through it post bankruptcy.  Oh well.

 

Capital One will forever be in my wallet, not only did I burn them in my Bankruptcy, they've been the first bank to give me a card above 5k since my bankruptcy and the first bank that I didn't have to jump through hoops with. 

 

All scores in the 670's, but I utilize credit to extend my cashflow. So, my utilization varies 40-75%.

 

Interesting datapoint:

When I applied for both my capital one cards, Barclay quickly CLD'd my Apple card. When I was notified of the CLD, I called and closed the card on the spot. I told them I don't have time for a bank that's ego bruises faster than a banana.  I felt like I was walking on eggshells with them anyways. 

 

One other dp, I did pay both my cards down to 0 before applying for the CLI, this was approx 5300 dollars.

 

Thanks!

 


Wow, Barclay is jealous.  How old was your Barclay account when you did the 2 apps?

Rebuilding Since 2016
6/5/2019 - Fico 8 Scores - EQ 672 TU 683 EX 674
6/15/2019 - FICO 8 Scores - EQ 682 TU 698 EX 690
8/10/2019 - FICO 8 Scores - EQ 706 TU 705 EQ 689
9/15/2019 - FICO 8 Scores - EQ 710 TU 713 EX 690
6/6/2020 - FICO 8 Scores EQ 717 TU 720 EX 683
Message 4 of 6
Highlighted
New Contributor

Re: Capital One Spark Rebuild


@DB2019 wrote:

@titancylinder wrote:

Hi All,

 

I thought I'd share my journey with capital one post bankruptcy. As you may know from my previous post, I was approved for a Spark Classic Card late 2018 for 2000 dollars.

 

Fast forward today, I hit the CLI button and they increased it to 6500, plus I called them and asked if there was any upgrades on my account, I took the Cash Rewards Signature Visa. Low and behold, I get the card in the mail and what do you know, it's a signature Smiley Happy

 

I don't even get that much love from my main bank which has had over 500k flow through it post bankruptcy.  Oh well.

 

Capital One will forever be in my wallet, not only did I burn them in my Bankruptcy, they've been the first bank to give me a card above 5k since my bankruptcy and the first bank that I didn't have to jump through hoops with. 

 

All scores in the 670's, but I utilize credit to extend my cashflow. So, my utilization varies 40-75%.

 

Interesting datapoint:

When I applied for both my capital one cards, Barclay quickly CLD'd my Apple card. When I was notified of the CLD, I called and closed the card on the spot. I told them I don't have time for a bank that's ego bruises faster than a banana.  I felt like I was walking on eggshells with them anyways. 

 

One other dp, I did pay both my cards down to 0 before applying for the CLI, this was approx 5300 dollars.

 

Thanks!

 


Wow, Barclay is jealous.  How old was your Barclay account when you did the 2 apps?

 

Approved for Apple Rewards July 2017, Both Capital One's same day Octoberish 18.  


 

BK Discharged 11/16 Medical Debt & CC Debt due to Medical Debt
Current Cards As of 11/6/2020: Capital One Spark Cash Visa Signature Business 11000, Capital One Venture One 5500, NFCU MR 5900, NFCU Plat 7100 SYNC LOWES 4400 SYNC Sams 3500, SYNC B&H Photo 3500, TD Bank/Red 2900
Cards being axed soon: 2 Credit One (BK Builder) 850 and 900 cl's & TD Bank/Red

EQ F9 680
Message 5 of 6
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Frequent Contributor

Re: Capital One Spark Rebuild

Glad to hear your experience with CapitalOne has been positive.

Message 6 of 6
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