Capital One Blacklist

[IBroke]

You are not the only one, OP. My husband had a Cap1 card with a $2,000 balance. They are the only ones who sued him, and he filed on the date of his hearing. He is over a year out from his discharge

Could be that the default on the CC was too recent. Although we got our CC-cards with Cap. One basically right after BK, we defaulted about 5 years before that.

I think a big difference is I waited for Cap 1 to come to me, offer up the pre-qual. I did not app with them.

That makes sense, too. We also receive pre-approvals for auto-loans from them on a regular basis (at least once a month).

[ellis2156]

I got the same worded letter. They do blacklist so does Discover, Chase and Bank of America.

[ccmisery]

I got the same worded letter. They do blacklist so does Discover, Chase and Bank of America.

Appears that's the case, though I keep reading on here all these people getting approved with 3 Cap One card included in their BK 3 months after discharge, too many factors can make or break this.

[WhatHappened]

I decided to go debt free for a long time after CH7 discharge (8/11). I finally bit the bullet and applied with Cap 1 today (I discharged a $4k CC debt to them in BK). I was approved for $3k CC no problem. Who knows?