My wife and I are both recovering from separate bankruptcies; when her business failed roughly at the same time as I found out my, now former, business partner had opened up five lines of credit in my name and heaped over $150,000 of debt on those lines, the financial stress was so much we temporarily separated. While separated, she filed Chapter 7 and I filed a Chapter 13; hers discharged in 2014 and mine in 2020, so we're both in "rebuild" mode.
While we were still separated, she started rebuilding with a couple of sub-prime lenders and a bunch of store cards, and I didn't know enough to advise any different. Starting last year when I started my own rebuild process, I made a few out of the gate screw-ups (trying to sprint instead of going out for a marathon), and then I got serious and started studying and doing things the right way. Even though my wife's credit scores are slightly above mine, had she stayed the course with her current lenders, I would probably have passed her pretty quickly, so, seeing my success, she asked if I'd give her a few pointers on getting back on track. Job 1 in my mind was to find a replacement for and then to kill of her Merrick credit card, which in turn led me to see if I could leverage a recent CapitalOne referral offer of $100 for each successful referral.
Yesterday I generated the referral link and sent it to her; she applied and was instantly approved for a Quicksilver card with a $5,000 starting limit. Not too shabby, she'll get the $200 sign up bonus and I'll get the $100 referral fee; that should make for a few nice dinners out.
Congratulations on the approval and SUBs!
Congratulations on DW Capital One QS approval!
Congrats on new card for your DW! Its wonderful that your marriage survived the financial storm.