Capital One CC approval

[feelingnutsy]

Hi---everybody---I've just graduated to this section---recent discharge/closing of case---
and I just got my first credit card in 14 months---Capital One---it just feels sooooooooooooo weird.

[scorpion35]

capital one doesn't like me
i keep getting denied

[wipetheslate]

I joined the Capital One club about a week ago. $500 unsecured, no fee for the first year.

It's only been a month since my discharge, although I didn't include any Cap One cards in my BK. It's a huge relief as a cc--not debit card--is required in some circumstances.

[Willswife]

Did you all appply for more than one card and wait until you get the first one and then try for a second? Just curious.

[discombob1]

Hi---everybody---I've just graduated to this section---recent discharge/closing of case---
and I just got my first credit card in 14 months---Capital One---it just feels sooooooooooooo weird.

It does feel weird, doesn't it? It's been over three years since I've had a credit card and it feels bizarre.

Scorpion, they seem to be a little perverse about some people. I did BK them but it was a small one, like $700 after fees. Some people don't BK them and still get denied. No rhyme or reason it seems.

Willswife, I only applied for Cap 1 and only after getting pre-approved. I got a ton of offers from HSBC and Orchard but didn't want to go that route. I don't plan on getting a second card until enough time goes by that I qualify for prime offers.

[wipetheslate]

Did you all appply for more than one card and wait until you get the first one and then try for a second? Just curious.

I had been thinking about applying for a secured card from HSBC, but I'm just going to stick with just the Cap One for now. Maybe in 6-8 months I'll try for another one.

[feelingnutsy]

Hey---discombob1---I haven't used a card in 14 months---
and I'm now retrained to cash---and feel like I'm going to
be stepping out on a highwire---even though I'll set the money aside to pay.

[feelingnutsy]

I've honestly got to say that I haven't been swamped with offers---so is this good or bad?

[albacore44]

Yep, Hot Linda from Cap 1 gave me and my wife each a card with $700 limit each, same terms as the rest of you. I dinged them for about $18K in my BK.

Also got an HSBC/Orchard for $500 each