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CapOne - Let me back in

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madmann26
Valued Contributor
‎03-12-2023 08:18 AM
‎03-12-2023 08:18 AM

CapOne - Let me back in

My ch13 was discharged in June 2022 and I did burn them.

 

I was able to get the WalMart MC with a $2000 CL in August 2022 and yesterday got the QS One with a $500 CL.

 

So it IS possible to get back in.

Current Scores - 8/26/2025


FICO 9


EQ - 769


TU - 778


EXP - 762


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Message 1 of 19
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18 REPLIES 18
Chazzay12
Frequent Contributor
‎03-12-2023 08:25 AM
‎03-12-2023 08:25 AM

Re: CapOne - Let me back in

Congrats on getting back in with Capital One! That's a decent SL for the Walmart card too! Cap1 is definitely one of the more forgiving banks. I can still see my old charged off on my account when I login on a desktop lol

Discover It (Student) $1500 | Capital One QS $2300 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000
Car loan w/ Langley 3.5%
Homeowner since April 2023

Starting Score: 580s
Current Score as of May 2024: EX 668, TU 671, EQ 646
Goal Score: 700+, working on paying high utl cc debt

Take the myFICO Fitness Challenge
Message 2 of 19
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NoMoreDebt
Senior Contributor
‎03-12-2023 08:36 AM
‎03-12-2023 08:36 AM

Re: CapOne - Let me back in

congrats on the approval

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
Message 3 of 19
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JoeRockhead
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎03-12-2023 08:39 AM
‎03-12-2023 08:39 AM

Re: CapOne - Let me back in

Congratulations on your approval!

Message 4 of 19
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Creditwiser
Valued Contributor
‎03-12-2023 08:54 AM
‎03-12-2023 08:54 AM

Re: CapOne - Let me back in

Nice!  Congrats on your approvals Smiley Wink

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 14.5K | Cap1 QS 12.5K | Barclay MC 25k | Delta Gold Amex 40K | Discover IT 22K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
Message 5 of 19
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jibc1978
Frequent Contributor
‎03-12-2023 08:56 AM
‎03-12-2023 08:56 AM

Re: CapOne - Let me back in

congrats on the approval!

Personal Cards:

Business Cards:

Store Cards:


Credit Health:
Message 6 of 19
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laurenjessica
Frequent Contributor
‎03-12-2023 11:16 AM
‎03-12-2023 11:16 AM

Re: CapOne - Let me back in

@madmann26 wrote:

My ch13 was discharged in June 2022 and I did burn them.

 

I was able to get the WalMart MC with a $2000 CL in August 2022 and yesterday got the QS One with a $500 CL.

 

So it IS possible to get back in.

Congrats on getting back in with Capital One!

Credit cards:
NUS000000091-480x304-STRAIGHT-96unnamedmissionlanemobileIRIDESCENTpaypal-cashback-credit-card-16373091c11536849downloadvenmoTJX-Rewards-Platinum-Mastercardcardart-prim-645x406
AU Cards:
disney-premier-cardNUS000000327-480x304-STRAIGHT-96NUS000000269-480x304-STRAIGHT-96
Store Cards:
Credit-Card-Large61d9c1a7-5683-4228-8bb4-c2747006069dAPSC-SECUREDCARD-CB658179059Kohls-CC-no-egt-SM-RGBpinkimg093647Paypal-Credit-Logo-Ameri-Commerceimg056321sc-plus-black-Creditcard
Auto loan:
toyota

Actively rebuilding since August 2022.

Starting FICO 8 scores (8/24/2022):

Current FICO 8 scores (2/12/2024):
Message 7 of 19
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laurenjessica
Frequent Contributor
‎03-12-2023 11:18 AM
‎03-12-2023 11:18 AM

Re: CapOne - Let me back in

@Chazzay12 wrote:

Congrats on getting back in with Capital One! That's a decent SL for the Walmart card too! Cap1 is definitely one of the more forgiving banks. I can still see my old charged off on my account when I login on a desktop lol

Same here! They're definitely very forgiving Smiley Happy

Credit cards:
NUS000000091-480x304-STRAIGHT-96unnamedmissionlanemobileIRIDESCENTpaypal-cashback-credit-card-16373091c11536849downloadvenmoTJX-Rewards-Platinum-Mastercardcardart-prim-645x406
AU Cards:
disney-premier-cardNUS000000327-480x304-STRAIGHT-96NUS000000269-480x304-STRAIGHT-96
Store Cards:
Credit-Card-Large61d9c1a7-5683-4228-8bb4-c2747006069dAPSC-SECUREDCARD-CB658179059Kohls-CC-no-egt-SM-RGBpinkimg093647Paypal-Credit-Logo-Ameri-Commerceimg056321sc-plus-black-Creditcard
Auto loan:
toyota

Actively rebuilding since August 2022.

Starting FICO 8 scores (8/24/2022):

Current FICO 8 scores (2/12/2024):
Message 8 of 19
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CreditMagic7
Mega Contributor
‎03-12-2023 11:57 AM
‎03-12-2023 11:57 AM

Re: CapOne - Let me back in

Congratulations on the Capital One return!!

Message 9 of 19
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Yasselife
Valued Contributor
‎03-12-2023 12:30 PM
‎03-12-2023 12:30 PM

Re: CapOne - Let me back in

Congratulations! 🍾🎉 @madmann26 


Gardening since: August 11, 2025
Message 10 of 19
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