Re: First card out of bankruptcy

icyhot · ‎02-09-2019

Ch7 discharged 12/2018.....burned Capital One for almost $30K....just been approved for the Platinum card at $500 with the Credit steps. This is my first card since being discharged, would like to apply for one more but don’t wanna push my luck and not sure who else is open to recent BKs. So I’ll just enjoy this one!

Rogue46 · ‎02-09-2019

Cap one is pretty forgiving. I burned them also and they gave me the same card and a few months later a QS. Since your pretty recent bk I would wait a few months and use that card before trying for a second.

MartyWrite75 · ‎02-09-2019

Congratulations on your approval!

April 2024: Experian 769; Equifax 779; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $5,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $10,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 10/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

chhull00 · ‎02-09-2019

Congratulations mate on your rebuild

19eighty5 · ‎02-09-2019

Congratulations!

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 · ‎02-10-2019

Congrats on your approval !!!!

Anonymous · ‎02-10-2019

@icyhot wrote:
Ch7 discharged 12/2018.....burned Capital One for almost $30K....just been approved for the Platinum card at $500 with the Credit steps. This is my first card since being discharged, would like to apply for one more but don’t wanna push my luck and not sure who else is open to recent BKs. So I’ll just enjoy this one!

Congrats!

Anonymous · ‎02-10-2019

Congrats on the approval. 30k and they gave a new card that fast. That's awesome.

Anonymous · ‎02-12-2019

Hi so I discharged in October of 2018 and waited about a month to apply for anything, I started with the Discover IT secured card for 500 and then was approved for Cap One, Capital One was included in my BK. Here is what I have been able to get - I am now gardening so hoping to get my score up higher. I very rarely carry a balance on anything for more then one cycle and have kept my utilization under 10% and my FICO has gone up about 100 points:

Pier One -500

Kohls- 500

Saks - 1000

Bergdorf- 1000

Overstock - 500

Helzberg- 2001

Express - 500

Neiman Marcus-750

Lord and Taylor -750

Discover secured- 500

Capital one mastercard -500

800FICOGoal · ‎02-12-2019

@icyhot wrote:
Ch7 discharged 12/2018.....burned Capital One for almost $30K....just been approved for the Platinum card at $500 with the Credit steps. This is my first card since being discharged, would like to apply for one more but don’t wanna push my luck and not sure who else is open to recent BKs. So I’ll just enjoy this one!

Thats insane. Cap1 loves to forgive.

Congrats on the card!!!