Just got approved for Cap1 CC!

[LSUTiger32]

I just tried and was denied. I work construction in the summer and collect unemployment ($390 per week) in the winter. I have no savings/checking account. Oh well, maybe next time.

You are better off.

[LAKERHIGH]

We bk'd a cap1 CC (was just discharged Nov.09) and were just approved for the Classic Platinum with the following:

Rates and Fees Term Details

Purchase APR: 0% until November 2010
16.9% variable after that
Transfer Information: 16.9% variable
No Transfer Fee

Annual Fee: $39

Don't know the credit limit as of yet. Will update once I know.

I just tried and was denied. I work construction in the summer and collect unemployment ($390 per week) in the winter. I have no savings/checking account. Oh well, maybe next time.

[emag71]

update

Received an email from Capital One today letting me know that my card has been sent.

[backtoschool]

Wow, how did you pull that one off? I just applied for a second Cap1 card and got denied. I already have thr platinum one with the 16.9% with no rewards. I applied for the rewards one with 17.9% int but got denied. Oh well.

I never IIb'ed them pre-bk so maybe that is why they are being so good to me.

I have zero percent on purchases for a year and then it goes up to 16.9%. I pay in full each month so I am not worried about the interest rate. I am only using these cards to have post-bk positive tradelines so that I can buy a house at the two year mark.

[backtoschool]

I'm sorry if this has been asked/answered before but does anyone know which CRA CapOne has been doing the hard pulls on lately?

cap one pulls all three.

[rose1]

I decided to add this info to this thread instead of starting my own, since there are so many cap1 threads already. In talking with some people regarding what I need to do to qualify for a decent mortgage at my two year mark, all of them mentioned that I should have 3-4 open positive tradelines reporting post discharge. I went ahead and got a capone and an Orchard bank card right away after discharge. I was approved for $1,000 on cap one and $300 on Orchard and both are reporting. My credit score has gone up about 30-40 points and is now about 690 on all three reports (transunion and equifax are fico scores, experian doesn't do fico, so its their proprietary score).

I have a car loan reporting and my student loans as well.

I decided to get one more trade line and didn't want to deal with some of the more bottom feeding cards, so I applied for a second cap one card last weekend and again was approved for $1,000.

I am only using the cards to establish a post-discharge credit history, and am paying in full each month. Both cap one cards will raise my limit to $1,500 after four months. The second cap one card is a rewards card.

I am posting this info in case anyone is looking for another card to complete their rebuilding portfolio.

Wow, how did you pull that one off? I just applied for a second Cap1 card and got denied. I already have thr platinum one with the 16.9% with no rewards. I applied for the rewards one with 17.9% int but got denied. Oh well.

[momtoroxy]

I was so hesitant to even apply, as we are doing ok without CC's. But, DH really needs something for work because if he travels, he is reimbursed for food, etc. So, I almost applied for an Orchard...but the annual fee was $59. I did some searching and saw the Capital One chat here. We applied for DH only and got approved. Same as the poster above; $39 annual fee; 16.9%. Also not sure of the credit limit...we'll see. I was surprised. But, we also did not BK anything from Capital One, maybe that is why? In any case, I thought we would only get something secured...so this is great. I have a Macy's Visa that survived BK with a $300 limit that I don't even carry, but it is here in case of emergency.

Mom2three09, did you get your card yet? What did your credit limit turn out to be??

[jadams]

I'm sorry if this has been asked/answered before but does anyone know which CRA CapOne has been doing the hard pulls on lately?

They usually hard pull all three.

[LSUTiger32]

Congrats on the approval and welcome to your new debt-free life

Debt free life and congrats on the credit card in the same sentence. I don't know whether to laugh till I urinate or cry.

[CCsAreEvil]

I'm sorry if this has been asked/answered before but does anyone know which CRA CapOne has been doing the hard pulls on lately?

[backtoschool]

I went ahead and got a second cap1 one card

I decided to add this info to this thread instead of starting my own, since there are so many cap1 threads already. In talking with some people regarding what I need to do to qualify for a decent mortgage at my two year mark, all of them mentioned that I should have 3-4 open positive tradelines reporting post discharge. I went ahead and got a capone and an Orchard bank card right away after discharge. I was approved for $1,000 on cap one and $300 on Orchard and both are reporting. My credit score has gone up about 30-40 points and is now about 690 on all three reports (transunion and equifax are fico scores, experian doesn't do fico, so its their proprietary score).

I have a car loan reporting and my student loans as well.

I decided to get one more trade line and didn't want to deal with some of the more bottom feeding cards, so I applied for a second cap one card last weekend and again was approved for $1,000.

I am only using the cards to establish a post-discharge credit history, and am paying in full each month. Both cap one cards will raise my limit to $1,500 after four months. The second cap one card is a rewards card.

I am posting this info in case anyone is looking for another card to complete their rebuilding portfolio.

[rose1]

Congrats on the approval and welcome to your new debt-free life

I hear that! I feel so debt free!! It's just an amazing feeling! I am so much wiser now. Now I'm in control of the credit cards.... they are no longer in control of me!

[whipster1]

Congrats on the approval and welcome to your new debt-free life

[emag71]

Following several members advice on this board I decided to give my luck a try today and apply for a capital one CC on line. Keep in mind I just got discharged yesterday 2/22/10 which also turns out to be the same day that the new credit card regulations take effect. So I went to their website and clicked on the "see if you pre-qualify" option. Filled in some simple questions and got a response that I did not have any pre-qualification offers but I may be interested in applying for a Capital one Platinum card. I applied for the card and to my surprise was APPROVED and was informed I would receive the card in 7-10 days. Will keep this board posted once I receive the card and find out what the crdit limit and details are.

[mom2three09]

So, I went online and went to the main page (capitalone.com). Under "Top Requests", I chose "See if you pre-qualify for a card". The next page asks you to punch in a few pieces of info. It even states it's not an official CC app. This is what came back:

Here's what we found
CCsAreEvil, here's an offer that might interest you.

Capital One Classic Platinum
[ APPLY NOW ] <-- button

Purchase APR: 0% until November 2010 - 16.9% variable after that
Transfer Information: 16.9% variable
No Transfer Fee
Annual Fee: $39

Is it supposed to actually say "You are pre-approved for" or some flavor of language like that? I have not applied yet.

Ours just said we didn't have any pre-approved offers (or something like that) -- but that we could apply for the classic platinum. I applied and got the 7-10 day thing. Then about a week later I received an email saying our new card was on it's way. So yeah, if you aren't offered a pre-approved card you can always go ahead and apply for the card they offered. Good luck