I burned Discover in my BK. Their prequals use to say that I was denied based on a previous account (not verbatim but basically what it said) now their new reason is Bankruptcy. I applied for their secured card anyway and was turned down for the same reason. That's the 1 HP on Experian. I don't really care for Discover anyway.
As for CapOne, I have a QS VISA that was upgraded from the Journey VISA and a QS1 MC with a $39 annual fee. I've thought about a Walmart MC but I don't shop at Walmart and don't want the 3 pulls.
I don't have any prequalified offers for their credit cards but I did get a $45,000 preapproval for an auto loan. The rates vary between cars I've seen 5.56%-13%. I'm not really shopping for a car right now.
As for my starter cards, I have Indigo with no AF, granted it's only $300 but it doesn't cost. Blaze MC increased me from $500 to $1500 and both years I've called in and they waived the AF.
Similar to Blaze, there's a few cards like Legacy Visa, and such. But there's a bank near me called First Savings Bann that only has an option to apply in person for their cc, no AF and 1% back on all purchases. I'm thinking it'll be easy to get.
Here's the link to the page. It says to call a branch or stop in and apply in person.
https://www.firstsavingsbanks.bank/personal-loans.htm
it's the only credit card listed.
On the firstsavingscc page there's a link to the card contracts. This one is the first one with no AF, all the other ones have the typical subprime card AF's.
