how did my DW get approved?

[JcT21]

im very happy for my wife getting approved for her cards, cant wait to be an AU :-)

however she is 10 months since bk7 discharge.  still in the rebuilding process.  so far all shes been able to get is 2 cap1 low limit credit steps cards. which has since been CLI's to 2k and 1.5k & a barclay rewards for 2k.   she tried the pre qualify for cap1 and was approved for their visa signature card with 5k and the venture with 10k.

now im excited and very happy but how in the world did she get approved this soon after bk7?  does that happen often?  i was under the impression something like this is very rare.  

dont know her fico yet, but we are gonna pull it.   however her fako/s  CS- 656  CK - 677   ...credit tracker from cap1-  680

[Anonymous]

Cap One knows she cannot file BK again for several year's. She's basically on the hook. So for some banks, like Cap One, they'll gladly give you credit as there's no easy way for you to burn um again, and they can charge you the highest interest rates as they know you won't be getting credit from too many places, and if you do, you'll be paying the highest rates. I'll guarantee your wife got the higher APR's. It's the way it goes.

[Anonymous]

Congrats !!! They've given you, me, and other's another opportunity. Don't blow it.

[revjamesl]

Very nice. Congrats!