Just got approved for Cap1 CC!

[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.

[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.

[emag71]

update

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

[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.

[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]

You are better off.

Wonder if I should go Orchard Bank Secured. The $35 fee is waived for the 1st year and I have to deposit $200 to them. Do I get that $200 back or is it theirs to keep?

[Amy26]

I am still trying to figure out why everyone else that bk'd capital one can still get credit with them... everytime I apply (it says I am preapproved for the platinum classic) it denies me saying "prior delenquency with capital one" ... why do they forgive the rest of you and not me ><

[LSUTiger32]

Wonder if I should go Orchard Bank Secured. The $35 fee is waived for the 1st year and I have to deposit $200 to them. Do I get that $200 back or is it theirs to keep?

Well a secured card is just that, the card is secured by your deposit. Therefore, as long as you have the secured card the deposit will be held with that bank. I guess if you must have one at least make it secured that way you can't run into any problems. I personally am not interested in any of them.

[LSUTiger32]

I am still trying to figure out why everyone else that bk'd capital one can still get credit with them... everytime I apply (it says I am preapproved for the platinum classic) it denies me saying "prior delenquency with capital one" ... why do they forgive the rest of you and not me ><

Lucky you! Now you don't have to be slave to a credit card again!

[rose1]

I am still trying to figure out why everyone else that bk'd capital one can still get credit with them... everytime I apply (it says I am pre-approved for the platinum classic) it denies me saying "prior delinquency with capital one" ... why do they forgive the rest of you and not me ><

Hey Amy26, I got the same message from them but I tried like 2 weeks and was told my application is under review. I'll have a response within 7-10 days. Before, I was flat out told NO, I have a delinquency with them. So just try again in a month or so.

[backtoschool]

You are better off.

Are you stalking the rebuilding credit thread trying to save us all from ourselves LSUTiger32?

Now don't faint, but I actually agree with you in regards to the poster you are answering. If the poster is collecting unemployment for half the year, then he does the have the job stability required to establish credit post bankruptcy.

[LSUTiger32]

Are you stalking the rebuilding credit thread trying to save us all from ourselves LSUTiger32?

Now don't faint, but I actually agree with you in regards to the poster you are answering. If the poster is collecting unemployment for half the year, then he does the have the job stability required to establish credit post bankruptcy.

LOL! No I just have this thread on my radar because of that greatest quote ever where the debt free life and the credit card were both congratulated!

Hey give me some credit, I did say that if you MUST have one at least make it a secured one. I just cringe when I see people actually get upset because they didn't get a credit card. I just don't get it. Either people didn't go through what I went through with those people or they just don't care about their finances.

[Amy26]

Lucky you! Now you don't have to be slave to a credit card again!

I don't think I was ever a slave to a credit card. I mostly had to bankruptcy because I was unemployed for 6 months without unemployment and my house.

Just because someone has a credit card doesn't mean they are gonna get into trouble again or go crazy with their finances... sure it happens, but not EVERYONE will go nuts with credit.

Reasons I can think for not having a credit card are the crazy interest rates right now, the unwillingness for banks to work with you right now, limit decreases...

But its not really a good response to me being upset I got denied and saying yay you won't be a slave again... because I don't feel that way. If you do, that's fabulous, but I don't. I have 2 credit cards now hooters and HSBC ... both have smaller limits... but that works for me. Capital one can kiss my heiny!

[LSUTiger32]

I don't think I was ever a slave to a credit card. I mostly had to bankruptcy because I was unemployed for 6 months without unemployment and my house.

Just because someone has a credit card doesn't mean they are gonna get into trouble again or go crazy with their finances... sure it happens, but not EVERYONE will go nuts with credit.

Reasons I can think for not having a credit card are the crazy interest rates right now, the unwillingness for banks to work with you right now, limit decreases...

But its not really a good response to me being upset I got denied and saying yay you won't be a slave again... because I don't feel that way. If you do, that's fabulous, but I don't.

Sorry, I thought being a public forum and all I was within my right to post my thoughts.

So let's see you listed all the ways they rip you off and yet you are clamoring for one. My bad, good luck getting one of those lovely things. It's quite obvious to me that way too many people think you cannot be a success financially without a precious credit card.

"Just because someone has a credit card doesn't mean they are gonna get into trouble" ----- famous last words.

Sometimes I think I clicked on the credit card lovers forum instead of the BKForum. There is no way that there are this many people that learned absolutely nothing from filing BK.

[Amy26]

Perfectly fine for you to voice your opinion... just stating I don't agree with it and shouldn't run around bashing everyone left and right just cause they want a credit card. If they understand the risk and they still do it... more power to them. And I do have 2 already... I don't need good luck getting one.