Capital One Quicksiler Approval (and NFCU)!

[GoingForTheMortgage]

I always check my CapOne prequels and all it ever says is that I'm qualified for the Platinum. I decided to give the QS a try and was approved for $5,000 SL!!! Last month (12 months after BK DC) NFCU approved me for the GoRewards with a $1,000 SL. I'm hoping NF will grow eventually.

My Ch. 7 bankruptcy was discharged just over a year ago. I quickly acquired several cards (Boscov's, Cap One platinum that I later upgraded to the QS, Discover It, Target and Firestone). I have kept very low balances and PIF each month. I hate that I had to ever file, but so excited at how well rebuilding is going

[simplynoir]

Congrats on your new QS card there and good luck on your rebuilding effort!

[AverageJoesCredit]

Very nice sl Navy will eventually grow

[MartyWrite75]

Congratulations on your approvals!

[Anonymous]

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@GoingForTheMortgage wrote:
I always check my CapOne prequels and all it ever says is that I'm qualified for the Platinum. I decided to give the QS a try and was approved for $5,000 SL!!! Last month (12 months after BK DC) NFCU approved me for the GoRewards with a $1,000 SL. I'm hoping NF will grow eventually.

My Ch. 7 bankruptcy was discharged just over a year ago. I quickly acquired several cards (Boscov's, Cap One platinum that I later upgraded to the QS, Discover It, Target and Firestone). I have kept very low balances and PIF each month. I hate that I had to ever file, but so excited at how well rebuilding is going

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Cool story, GFTM. Care to share some DPs?

Congratulations on the approvals. Interesting that Cap1 SL is 5x Navy. 

[GoingForTheMortgage]

For data points... all three bureaus are high 600s (670s-690s), BK7 DC was 12/2017. Income is under $30k. My next highest limit is my upgraded Plat-QS at $2500 (they actually denied my CLI request on that card yesterday). I have 5-7 inquiries depending on the bureau and AAoC is around 8 years (I have student loans from before BK).

Pretty sure my NFCU is that low because of their new rules for after BK approvals. I'm not sure if a second card would be higher or if I'm stuck there for at least another year... the big NFCU post is my current evening reading, haha!

[Anonymous]

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@GoingForTheMortgage wrote:
For data points... all three bureaus are high 600s (670s-690s), BK7 DC was 12/2017. Income is under $30k. My next highest limit is my upgraded Plat-QS at $2500 (they actually denied my CLI request on that card yesterday). I have 5-7 inquiries depending on the bureau and AAoC is around 8 years (I have student loans from before BK).

Pretty sure my NFCU is that low because of their new rules for after BK approvals. I'm not sure if a second card would be higher or if I'm stuck there for at least another year... the big NFCU post is my current evening reading, haha!

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Thanks for the DPs -- they shine a favorable light on Cap1, which catches a lot of grief around here. 

Yes, read the Navy thread. Lots of good info in there. Navy will grow, and quickly. Good luck.

[GoingForTheMortgage]

They've been good to me. They were actually the reason I finally decided to file- I got served papers because they were suing me. They were the first to give me a chance after my BK and made it so that I didn't need credit one or a secured card for rebuilding.

I'm considering seeing if I can move my upgraded QS limit to my new QS and closing the first one. Is that something that they'll allow? My balance is zero. If I do this, would the rewards transfer to, or should I spend them first? Thanks!

[Anonymous]

Congrats on your approvals!

[Anonymous]

Congrats on your Cap One QS and NFCU GoReward approvals!