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Capital One Platinum Approval! Shocked.

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Frequent Contributor

Capital One Platinum Approval! Shocked.

6 days post Ch7 BK D/C and I received a prequal from Capital One on their website for the Platinum and the QS1. Took the Platinum and was expecting a very low amount. Received $2000 SL!  Totally shocked and happy they let me back in so soon. I burned them very badly with a Venture card.
DATA POINTS:
*No idea of Ficos yet.
*Credit Karma scores (using only for monitoring accounts) are 678 EQ and 668 TU. 
*EQ and EX show bankruptcy discharged. TU does not as of yet. Accounts are starting to update to discharged. 
*Have a thick file. 31 closed accounts, closed car lease and an old mortgage that only shows on EQ. Should have dropped off two years ago actually.
*Got a Credit One card with a $500 SL one month prior to DC and it automatically increased to $700 after first payment/2nd statement. 
*Also opened a Self Lender one month prior to DC. Just made 2nd payment today.
BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa ($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000) Jan. 2019
Target RedCard ($500) April 2019
Venus Comenity ($500) May 2019 no HP


FICO 8 SCORES: 06-02-2019616 TU613 EX638 EQ
Message 1 of 11
10 REPLIES 10
Valued Contributor

Re: Capital One Platinum Approval! Shocked.

Congrats on the approval and immediate success!



Message 2 of 11
Regular Contributor

Re: Capital One Platinum Approval! Shocked.

Keep it up!! Next time you'll PC it to QS for rewards and CLI after a few months Smiley Happy


Message 3 of 11
Established Contributor

Re: Capital One Platinum Approval! Shocked.

Congrats on the approval, you're back in the game.





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 4 of 11
Frequent Contributor

Re: Capital One Platinum Approval! Shocked.

Congrats on your Cap1 success & not getting put into the $300 starter bucket. When I got my Cap 1 P card in 2014 I started at the same $2K SL and quickly received two SLIs, taking me up to $3500 CL before I mucked it up. Take care of it & you will grow that CL!



Starting Score: Nov 3, 2018: EX 597 TU 599 EQ 616
Current Score: July 19, 2019: EX 671 TU 692 EQ 689
Goal Score: Dec 31, 2019: EX 700 TU 700 EQ 700

Take the myFICO Fitness Challenge





Message 5 of 11
Valued Contributor

Re: Capital One Platinum Approval! Shocked.

Nice! Congrats on your Capital One Platinum approval! Smiley Very Happy






Message 6 of 11
Frequent Contributor

Re: Capital One Platinum Approval! Shocked.

Thank you all so much! I thought for sure I'd be getting that infamous $300 limit.

BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa ($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000) Jan. 2019
Target RedCard ($500) April 2019
Venus Comenity ($500) May 2019 no HP


FICO 8 SCORES: 06-02-2019616 TU613 EX638 EQ
Message 7 of 11
Senior Contributor

Re: Capital One Platinum Approval! Shocked.

COngrats on your approval !!!!

 

3-2019 / Fico 8 EX 802 , EQ 803 , TR 805
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 11
Senior Contributor

Re: Capital One Platinum Approval! Shocked.

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 9 of 11
New Contributor

Re: Capital One Platinum Approval! Shocked.

Man I am so jealous! But congrats!!! If I may ask , your venture card that you IIB , was it charged off or anything before your BK? I IIB them as well but it was still an active card at the time of my bk7 and was 30 days late when I filed. I keep checking their prequal but they still don't like me yet.
10/12/18: Discharged from BK7
10/15/18: EX 541 | TU 490 | EQ 555
6/7/19: EX 625 | TU 624 | EQ 655

Message 10 of 11