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Recommended Credit Cards

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  • Capital One letter received - denied for "too many delinquent past or present Capital One obligations." So they do blacklist to some extent, what's frustrating is that they could see this without a hard pull of my credit report by searching their internal systems on my SSN.

    I discharged two Capital One items, about $5.5K on a credit card and $44.8K on a line of credit. I don't argue with their right to do this, it just would be nice if they'd disclose...
    Chapter 7 Filed 8/11/2009, Discharged 11/23/2009

    Comment


    • Cap 1 Approved

      I was just approved for a Cap1 card 3 days post discharge! My credit scores are 567, 567, 575!

      Comment


      • Originally posted by Charlie777 View Post
        Capital One letter received - denied for "too many delinquent past or present Capital One obligations." So they do blacklist to some extent, what's frustrating is that they could see this without a hard pull of my credit report by searching their internal systems on my SSN.

        I discharged two Capital One items, about $5.5K on a credit card and $44.8K on a line of credit. I don't argue with their right to do this, it just would be nice if they'd disclose...
        Capital One was sending me loads of "pre-approval" letters so I finally applied and got the same thing. They didn't check my credit report and simply said NO without looking. I only cost them about $2.5k on a credit card.

        Comment


        • Yes, I reread my letter and it says they used internal resources (aka "blacklist") and didn't make a credit file inquiry.
          Chapter 7 Filed 8/11/2009, Discharged 11/23/2009

          Comment


          • I just applied and rec'd a Captial One No Hassle Rewards Card w/ a $500 limit and a HSBC card with a $300 limit. Discharge was 4/2010. Only going to put a tank of gas on every other month on each one..rotating the months on the cards and then paying off in full each month. I enjoy being on a cash only basis though. Don't want anymore for quite sometime either! I don't even want these ones, but I have to start somewhere..house, cell, are all in DH's name only and the 2 cars were paid off 5 yrs ago. On the Capital One you can customize a card with your own photo...so I took a photo of DH with a scowl and pointing his finger to put on it as a reminder to not spend too much!!

            Comment


            • Originally posted by 2muchinDebt View Post
              I just applied and rec'd a Captial One No Hassle Rewards Card w/ a $500 limit and a HSBC card with a $300 limit. Discharge was 4/2010. Only going to put a tank of gas on every other month on each one..rotating the months on the cards and then paying off in full each month. I enjoy being on a cash only basis though. Don't want anymore for quite sometime either! I don't even want these ones, but I have to start somewhere..house, cell, are all in DH's name only and the 2 cars were paid off 5 yrs ago. On the Capital One you can customize a card with your own photo...so I took a photo of DH with a scowl and pointing his finger to put on it as a reminder to not spend too much!!
              To funny. I should of done that. I put a picture of my baby....my chihuahua on it.
              Went into financial rehab 8/30/09
              Celebrated legal financial sobriety 12/9/09
              On The Road To Rebuilding
              5 active accounts in good standing

              Comment


              • I did a lot of research on secured cards. Look at Amalgamated. It is secure but they do not report it as secured and it is $50 a year, no monthly fees. Very happy with them so far. After having it for six months, I applied for capitol one and received an unsecured card for $750.

                Comment


                • How many of you BK's CapOne and still got a card? We have one that we are Bk'ing with about $5K on it.
                  Retained lawyer 5/18/10
                  Stopped paying CC 5/21/10
                  Looking to File Ch7 in July, once we pay the Atty

                  Comment


                  • Originally posted by ladyjenn View Post
                    How many of you BK's CapOne and still got a card? We have one that we are Bk'ing with about $5K on it.
                    Bk 4 or 5 accounts between hubby and myself 12/09. Just got approved for $500.00
                    Went into financial rehab 8/30/09
                    Celebrated legal financial sobriety 12/9/09
                    On The Road To Rebuilding
                    5 active accounts in good standing

                    Comment


                    • BK only one card $1k. discharged a year ago, but still deny for unsecured cards. Last month I applied secured card and approved.

                      Comment


                      • discharged 3 wks ago, today got a credit card offer from CREDIT ONE Bank. $300-$1500 limit $75 per year annual fee. 23.9% APR

                        Who is this Credit One? It looks very much like Capital One (logo, etc). I had to read it twice before I realized it was not Crap One!

                        Comment


                        • Originally posted by calgirl67 View Post
                          discharged 3 wks ago, today got a credit card offer from CREDIT ONE Bank. $300-$1500 limit $75 per year annual fee. 23.9% APR

                          Who is this Credit One? It looks very much like Capital One (logo, etc). I had to read it twice before I realized it was not Crap One!
                          Credit One was the first card I got. Low limit...$200. I had no issues till now. They screwed up my payment. I made a payment thru my bank it posted to my account...then Credit One returned it and charged me $35. A bunch of bullsh**. They are investigating. Other than that...no issues.
                          Went into financial rehab 8/30/09
                          Celebrated legal financial sobriety 12/9/09
                          On The Road To Rebuilding
                          5 active accounts in good standing

                          Comment


                          • Hi,
                            I live in NC. I just filed BK and waiting for discharge in Aug. I had my hearing.
                            I would like to talk with someone who might be able to share some light into how to build my credit back. I have a few ideas. My mom has A#1 credit. She has offered to add me to a few of her credit account for a while. I want to know if that is a good move. I also would like to know what cards are the best. I belong to a credit union. I was thinking of a card with them. Secured! Also I was thinking of buying a CD and taking a loan out on it and paying it back over time. Like 500. So let me know what you guys think! I am all ears!!! Thanks for your time!

                            Comment


                            • Building credit the best way! Please share advise!

                              Hi,
                              I live in NC. I just filed BK and waiting for discharge in Aug. I had my hearing.
                              I would like to talk with someone who might be able to share some light into how to build my credit back. I have a few ideas. My mom has A#1 credit. She has offered to add me to a few of her credit account for a while. I want to know if that is a good move. I also would like to know what cards are the best. I belong to a credit union. I was thinking of a card with them. Secured! Also I was thinking of buying a CD and taking a loan out on it and paying it back over time. Like 500. So let me know what you guys think! I am all ears!!! Thanks for your time!

                              Comment


                              • i have been out of BK for about 1.5 years now...my scores are in the mid to high 600s.

                                i have a public savings secured card for 1500
                                capitalone one approved me for 500...then raised to 750 after 3 months
                                orchard bank approved me for 500 today
                                americanexpress platinum--no limit
                                american express blue 2000

                                i have paid everything bill on time and all my credit cards are paid off at the end of the month.

                                i want to know when my score will go to the 700s...i seem to be stuck in the 600 range.

                                i dont need anymore credit cards

                                i have no outstanding auto loans or home loans

                                my credit is cleaned up except for the BK...everything else on my credit is reporting on time except the BK chapter 7.

                                I do have one account on my experian report that was included in BK...which shows included in BK..but its a negative account...is this affecting me?

                                the only card that i got declined for was Citibank Secured Card---i gave them a 2000 deposit and they returned it in 4 weeks. i was approved for the rest of the cards...i dunno why citi cards declined me...i didnt include them in the BK...i never had an account with them.

                                Comment

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