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Capital ONe $50 back offer with new cc

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    #1

    Capital ONe $50 back offer with new cc

    I bk'd my Cap one...I think I had like $2,500 on it during my bk.

    I just got an offer from them:

    "You've earned this pre approved offer for a COPMC...we've reviewed your recent credit info and know that you've successfully moved beyond the financial difficulties of the past...no annual, act now...

    And it offers $50 back after your first purchase...

    No annual 14.0 after the intro period ....

    Anybody got this offer yet?

    I was afraid to accept anything from them since the bk and I didn't want to get stuck having to pay them back from before re: that tricky clause...

    ?????
    Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
    Who it was we were below, where we've been and where we go
    Tags: None
    #2
    Yes, I got one last week. Just logon their web site yesterday to apply with access code, ...they denied me... damn it.. I just lost an easy $50!...

    Comment

      #3
      Originally posted by BKOnce View Post
      Yes, I got one last week. Just logon their web site yesterday to apply with access code, ...they denied me... damn it.. I just lost an easy $50!...

      so much for the your pre-approved bs! I might try it...I think I'd rather get $25 worth of free gas on a shell card!

      I don't know....it's about to rain elephants in Sarasota/Longboat Key right now...it looks like night coming in
      Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
      Who it was we were below, where we've been and where we go

      Comment

        #4
        I got some Cap one offers too

        I also bk'd on 2 cap one cards. The limits were only 300 & 500, so they really didn't lose alot on me filing last year.

        Well, I got one offer last week from them which also stated that because I let my financial difficulties get behind me, that I was preapproved ($500-$3000) so I applied online and received an instant approval, however I will have to wait the standard 7-10 days for my card and I will find out the balance then.

        Then on Saturday, I received another offer from them, but with the $50 bonus, which sounds interesting. I am tempted to apply, but the fine print says that you may not get accepted for the offer if you have already applied within 45 days. I guess I will wait for the card in the mail and then maybe call customer service to see if its a waste of time applying for the card with the $50 bonus.

        Here I thought that I was blacklisted too.

        sbb
        Hooters MC: $1700
        First Premier Platinum MC: $450
        Orchard Bank MC: $300 Juniper Visa :$600
        Target Card: $200 Capital One:$1500

        Comment

          #5
          I would be weary of getting additional credit from a company that I had filed Bk on. But that's just me.

          Best of Luck, CMIYC
          July 2006: Filed Ch13 :blink:
          Oct 2006: Converted to Ch7 :clapping:
          Jan 2007: DISCHARGED :clapping:
          Nov 2007: CLOSED :yahoo::yahoo::yahoo:

          Comment

            #6
            Originally posted by CATCHMEIFYOUCAN View Post
            I would be weary of getting additional credit from a company that I had filed Bk on. But that's just me.

            Best of Luck, CMIYC

            That's what I'm talking about!

            Not to be repetitive but somewhere someone had mentioned some fine print on a cap 1 about if you reapply for a cc, you can get stuck with what you bk'd on...I just don't even want to go there.
            Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
            Who it was we were below, where we've been and where we go

            Comment

              #7
              I would think it is written somewhere that once your debt has been discharged the creditor cannot go after you, however I believe that once you are discharged it is up to you if you want to "reaffirm," your debt with them? NOT ! Whats the point of spending all that money to get discharged of all you bad debt, only to reaffirm some back???

              I'd stay away .. far far far away !

              American Express, after 4 years out of my first Bk kept sending me letters to settle my debt with them for almost half the amount I owed ! I'm pretty sure it was one of those junk collectors! I would just send them a copy of my discharged papers.

              Best Wishes, Catchmeifyoucan
              July 2006: Filed Ch13 :blink:
              Oct 2006: Converted to Ch7 :clapping:
              Jan 2007: DISCHARGED :clapping:
              Nov 2007: CLOSED :yahoo::yahoo::yahoo:

              Comment

                #8
                Originally posted by CATCHMEIFYOUCAN View Post
                I would think it is written somewhere that once your debt has been discharged the creditor cannot go after you, however I believe that once you are discharged it is up to you if you want to "reaffirm," your debt with them? NOT ! Whats the point of spending all that money to get discharged of all you bad debt, only to reaffirm some back???

                I'd stay away .. far far far away !

                American Express, after 4 years out of my first Bk kept sending me letters to settle my debt with them for almost half the amount I owed ! I'm pretty sure it was one of those junk collectors! I would just send them a copy of my discharged papers.

                Best Wishes, Catchmeifyoucan
                right on!
                Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
                Who it was we were below, where we've been and where we go

                Comment

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