CapitalOne sent me an offer in the mail the same day Chase did. Chase was asking me to apply for Disney Rewards, and since I have two young children, I applied for that one first. I was denied via snail mail. I just found the Cap1 application in a pile of junk mail I was cleaning up and I figured what the heck. It is a 0% intro rate, 23% after (ouch), and no annual fee. I was approved! I was discharged one year ago this month and just started working for myself (self-employed) a month ago with a very modest income. I did not have any Cap1 accounts in my Ch 7.
CapitalOne Platinum
Discharged: 04/2012
Approved: 04/2013
Score 03/2013: 679
Credit Limit: $1,000 unsecured
Rate: 0% for 9 months then 23%
I said NO do not send me blank checks. I get chills just thinking about my pre-BK days! I do have a few accounts that survived BK (Kohl's and Dell) but this is my first CC approval since. I will use it VERY wisely.
CapitalOne Platinum
Discharged: 04/2012
Approved: 04/2013
Score 03/2013: 679
Credit Limit: $1,000 unsecured
Rate: 0% for 9 months then 23%
I said NO do not send me blank checks. I get chills just thinking about my pre-BK days! I do have a few accounts that survived BK (Kohl's and Dell) but this is my first CC approval since. I will use it VERY wisely.
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