Hey guys (and gals)
I've been a long time follower of this forum and it has helped me alot throught the years and long story short, I have gotten off the Capital One black list after a charge-off and currently approved for the QS1, $1000 CL, which was my original limit pre CO.
Long story: Back in 2017 I was going through a bitter time in my life with divorce, mortgage and health issues. The pressure was too much and I tanked on all my Cards. I had:
Toyota Auto Finance: Repoed, Owe $8000
Capital One QS1: $1000 Limit
Amazon Chase: $2500
AMEX Everday: $5500
AMEX Blue Cash: $1200
Best Buy: $5000
Citi Daimond Preferred: $6000
Walmart: $1200
NYMCU(Local Credit Union):$500
All were charged off except the CU, which I kept using and paying on time. My score tanked and was 420. I Settled with Capital One for about $550 back in 2018 and opened a checking and savings account with them shortly after. Earlier this year i tried to prequal, and I got nothing. I applied for the SECURED CARD and was declined with no hard pull, the reason being prior obligations with Cap One. Blacklisted indeed. I decided to get my credit back in check. I settled with all account except the AMEX everyday and Citi Daimond preferred, which I am planning to settle before the month is up.
After all this I still couldnt get prequalified UNTIL, my current girlfriend just got a secured card through Capital One. She added me as an authorized user. Literally the next day, I was prequaled for the Secured card. Oh, it gets better. I completely forgot that my mom also had a Capital One Platinum Card for the past two years with all on time payments! She added me as an AU and i tried the Pre Qual again and i got a hit on the QS1.
I applied today and got an Approval for $1000. MY scores are around 602-610 range( EDIT: income at 90K) It feels really good to be back with a reputable card becuase my CU card for $500 literally does nothing, no rewards and they seldom give credit line increases. Can't wait to get back in with Chase, Citi and AMEX, and yes, I've heard about the notorious AMEX blacklist.
Just wanted to share and hopefully my story helps someone out, just like your stories helped me!
Congrats on getting back in the door and welcome to the board 
Welcome and congrats! Movin on up.. good things ahead.
Congratulations on your approval!! Good luck with everything, sounds like you're on the right track.
Thanks. Yeh lesson definitely learned. This is the first step of many.
I got spooked because I logged into my account and the card is restricted. I thought they changed their minds. It was just a fraud alert and I have to send it my ID to verify.
Congrats on your approval and getting back in with Capital One!!
