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Cap1 Quicksilver Approval after CH13

akrock
Member

Cap1 Quicksilver Approval after CH13

Due to some bad real estate decisions in 2008, I had to file for Ch13.  It was discharged 2 years ago and FINALLY dropped off my credit this month.   My credit scores skyrocketed by 50-100 points (transunion was the lowest at 719, then equifax at 788, and then experian at 832), but nothing was popping up when I tried to see what cards I prequalified for.  After several days of frustruation,  I was googling and realized that I had signed up on a list to not receive any pre-qualified offers!  DUH!!!   So I removed myself from that list on Friday and tried again today.  An offer for the Quicksilver card came up, and after going back and forth deciding if I should apply, I bit the bullet and submitted my app, thinking I would get a low credit limit and/or have to recon.  Imagine my surprise when it popped up approved after about 30 seconds with a $15K credit limit!!

 

I am very excited to finally start capitalizing on the rewards programs with credit cards.  Now that I've lived without a credit card for 7 years, I'm pretty confident that I can pay off every month and make them work for me.  Smiley Happy  

Message 1 of 4
3 REPLIES 3
Prestige4
Frequent Contributor

Re: Cap1 Quicksilver Approval after CH13


@akrock wrote:

Due to some bad real estate decisions in 2008, I had to file for Ch13.  It was discharged 2 years ago and FINALLY dropped off my credit this month.   My credit scores skyrocketed by 50-100 points (transunion was the lowest at 719, then equifax at 788, and then experian at 832), but nothing was popping up when I tried to see what cards I prequalified for.  After several days of frustruation,  I was googling and realized that I had signed up on a list to not receive any pre-qualified offers!  DUH!!!   So I removed myself from that list on Friday and tried again today.  An offer for the Quicksilver card came up, and after going back and forth deciding if I should apply, I bit the bullet and submitted my app, thinking I would get a low credit limit and/or have to recon.  Imagine my surprise when it popped up approved after about 30 seconds with a $15K credit limit!!

 

I am very excited to finally start capitalizing on the rewards programs with credit cards.  Now that I've lived without a credit card for 7 years, I'm pretty confident that I can pay off every month and make them work for me.  Smiley Happy  


Awesome.  Congrats and excellent SL.


Feb - May 2017

Current Fico 8
Message 2 of 4
VoltronM
Senior Contributor

Re: Cap1 Quicksilver Approval after CH13

Congrats on approval and very nice SL

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
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Message 3 of 4
ImaPirate
Established Contributor

Re: Cap1 Quicksilver Approval after CH13

That's awesome news!

Message 4 of 4
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