Capital One FINALLY let me back in!

Agent_Alex · ‎07-07-2018

Long story semi short:

Bankruptcy chapter 7 discharged back in August 2016.

Credit cards since then: Discover IT ($2000), Discover Miles ($2500), Target ($2300), CreditOne ($750), CreditOne ($500), Overstock ($650), Walmart ($500), Kohls ($300).

In the beginning of 2018 I had most of the cards maxed out due to switching a job. I just recently paid down my cards to have a utilization of around 33% and was literally just telling a friend about how Capital One will never take me back.

Decided to do the preapproval site (that I just did 1 week ago and nothing showed up) and the preapproval came back with the QS1 and the Platinum.

I bit the bullet and I couldn't be happier!

Glad my credit is back on the right track! Anything is possible if you put your mind to it!

Discover IT Miles ($4,700); Discover IT ($4,300); Apple Card ($4,000); Bestbuy Visa ($2,900); Capital One QS1 ($750); CreditOne Visa ($1,450); Caesars Rewards Visa ($1,000); B&H Photo ($250); CreditOne MC ($1,100); Walmart ($2,500); Kohls ($700); Genesis Raymour & Flanigan ($4,000); Venmo Visa Card ($250); PayPal Visa ($1,000); Target ($2,300)

peghede · ‎07-07-2018

Congrats on u discharge and on the aproval m8.

Anonymous · ‎07-07-2018

Congrats on approval

Anonymous · ‎07-07-2018

That’s awesome congrats! Soon you can start purging credit one!

CreditRebuilder2020 · ‎07-08-2018

Congrats!

Just got my Capital One QS1 a month ago and am in a total rebuilding process myself.

Capital One has been the base for my rebuild, had a Platinum Secured card that went unsecured and was recently approved for a QS1 with a $300 CL. Don't care about how much my CL is, just getting these cards is so important to me at this stage in my rebuild.

This is my first 1.5% cash back card.....can add up very nicely. I've been making some large purchases on the card recently and then immediately paying off.

X1 VISA SIG $15,500/ AMEX Gold / Petal 1 $3600 / Wells Fargo Active Cash VISA $3K / VENMO Visa $900 / Verizon Visa $2K / Apple Card $1500 SL / Wyndham Rewards Earner Visa $500 / WALGREENS Store $1K / Amazon Store $5000 SL/ Discover IT Chrome $2500K / BP Prime Rewards VISA $4350 / PayPal MC $3500 / BOA BankAmericard $2K / BOA Cash Rewards $1K / Cap One Savor One $1200 / Cap One QS1 $950 / Blaze MC $2250 / Credit One $850 / Credit One AMEX $1200 / OpenSky $600 / AvantCard $1000 / Discover IT Cash Back (Graduated) $400 / eBay MC $750
FEB '22 EX: 698 EQ: 700 TU: 713 | UTL: 23% | Total Credit Limit: $54000
Goal Score: 675 for all FICOS (ACHIEVED NOVEMBER 2021) | NEW GOAL SCORE: 725 for ALL FICOs

19eighty5 · ‎07-08-2018

Congratulations on your approval and progress!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Anonymous · ‎07-08-2018

Congrats!!! Welcome back to Capital One!!!

Anonymous · ‎07-08-2018

Congratulations on your approval! Welcome back! I landed a QS1 a few days ago myself. Solid rebuild choice.

Curious, what were your scores when you onboarded Walmart?

Agent_Alex · ‎07-08-2018

Thank you, everyone!
Score was around 630-640 when I got the Walmart. Only a $500 limit- but not too bad. Surprised synchrony let me back in!

Discover IT Miles ($4,700); Discover IT ($4,300); Apple Card ($4,000); Bestbuy Visa ($2,900); Capital One QS1 ($750); CreditOne Visa ($1,450); Caesars Rewards Visa ($1,000); B&H Photo ($250); CreditOne MC ($1,100); Walmart ($2,500); Kohls ($700); Genesis Raymour & Flanigan ($4,000); Venmo Visa Card ($250); PayPal Visa ($1,000); Target ($2,300)

Anonymous · ‎07-08-2018

Totally, not too bad at all. In rebuilds, not about the size of the victory, but the victory itself.

Thanks for the Walmart numbers. They shut the door in my face, but I'll go knocking again a bit later when they've calmed down. 🙄