should i apply for Cap 1 secured? Cap 1 negatives

[Schoolbuskid]

So i have three charge offs with Cap 1, 1 paid in full, 2 unpaid, what are my chances of being approved for secured card?

[Anonymous]

How long ago were the unpaid charge offs charged off?

[Anonymous]

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@Anonymous wrote:
How long ago were the unpaid charge offs charged off?

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Very good question.. OP, answer for good suggestions and responses..

[Anonymous]

OP: I have 3 charge offs (unpaid) with Cap One from 2012, and I was just approved for the Secured Card a few weeks ago.

I am looking into trying PFDs on all 3.

[Schoolbuskid]

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@Anonymous wrote:
How long ago were the unpaid charge offs charged off?

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1) Cap 1 - $252 - Charged off as of - 9/2015

2) Cap 1 - $613 - Charged off as of - 7/2013 (date of status) per experian

3) Cap 1 - $0     - Charged off as of - 3/2013 (date of status) per experian

FICO 8 Scores - EQ 555 - TU 542 - EX 562

[Schoolbuskid]

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@Anonymous wrote:

OP: I have 3 charge offs (unpaid) with Cap One from 2012, and I was just approved for the Secured Card a few weeks ago.

I am looking into trying PFDs on all 3.

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Well that gives me hope...but I think i read somewhere you can't have a chargeoff within the last year, i'm not sure how true that is and wanted opinions.

Also heard that Cap 1 doesn't do PFD's...but will honor a GW...ymmv!

[Schoolbuskid]

Well i spoke with a Chat specialist, he encouraged me to apply even though i had the charge offs but how much do they know? They're like programmed robots!

[FinStar]

Not sure how well that's going to fly but it's Capital One after all.

So, just curious, you have 3 charged off accounts with Capital One (1 paid) and the most recent charge off was just over a year ago, and you want more credit with them - even with two unpaid ones? Maybe I'm missing something here

For sure, they're not going to entertain a PFD.

[Schoolbuskid]

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@FinStar wrote:
Not sure how well that's going to fly but it's Capital One after all.

So, just curious, you have 3 charged off accounts with Capital One (1 paid) and the most recent charge off was just over a year ago, and you want more credit with them - even with two unpaid ones? Maybe I'm missing something here

For sure, they're not going to entertain a PFD.

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Haha yeah it sounds crazy, but i want to get back in their good graces! Heard they're pretty forgiving...just another step to help raising my scores! I need more good credit reporting...currently a fingerhut and milestone gold mastercard.