Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


  • Content Count

  • Joined

  • Last visited

  1. Thanks guys! Btw, I use only the finest, 100% Brazilian carnauba to wax my Cap One cards!
  2. I am not here to bash anyone or any product but I can tell you this, Capital One is a life changer. I"m sure you have read my stories recently on CB about how they gave me almost $50k in limits 4 months after Ch. 13 discharge. I also mentioned that because they reported right away, my mortgage Fico score increased enough to allow me to refi my house at a 3.25% rate. In addition, they approved me for an auto loan ($40k) at 1.99%. What other company out there will give someone a second chance like this, fresh out of bankruptcy? I can guarantee that no other company out there will do this. I had no idea I could get prime credit cards, a refi on my house, and an auto loan at 1.99%, 4 months out of CH. 13. I owe all this to Capital One.
  3. Nlocker, I totally agree. The only problem is that most of the prime companies don't like me much after the Ch. 13 BK. I would love a second chance with Citi or Chase.
  4. Thanks guys! No, I don't have any cra's that are frozen.
  5. Hmm, so if you book a refundable, no cancellation fee travel and you cancel it, the travel company credits your Cap One card in full?
  6. Ahh gotcha. Do you know the conversion rate from miles into dollars? I don't travel much so I would like to get the cash instead of the $400 in miles. Any idea how the points work if you want to redeem for cash?
  7. Dude...app the V1 right now! Bet you get at least $10K. DO IT! Ahh, Venture one! Haha, nah, I really don't want to push it. what I did was far worse than what you have done so far.... Care to elaborate? Do you think Cap One will ever come to their senses and decrease my limits?
  8. I also applied for and closed on an FHA 15 year refi recently. Dude...app the V1 right now! Bet you get at least $10K. DO IT! Ahh, Venture one! Haha, nah, I really don't want to push it.
  9. I've opened 4 accounts now. Here is what I have: 1. Cap One QS1 MC ($3k) opened 3-4 months ago 2. Cap One Platinum ($1k) opened same day as QS1 3. Cap One QS Visa Sig ($15k) opened a few days ago. 4. Cap One Venture ($30k) opened today. These are the only cards I have applied for since getting my discharge last year. Yes, these are my first set of applications in over 5 years.
  10. LOL! I don't think I will push it. I wasn't going to apply for this one as the QS@$15k was plenty. I just got a little greedy and had to out do my wife:)
  11. Thank you! I had no idea I would ever have this type of limit after my BK 13 discharge just last Oct. I am completely floored.
  12. My fico's are all between 640-685. Do you think income had anything to do with the higher limit? Mw wife and I make $195k combined and I used that figure on their application. I did put the correct number, right? When I used to apply for cards (over 5 years ago due to Ch. 13bk) I always put household income instead of my own income. Anything wrong with that?
  13. $30K? Wow, bingo! How in the world did you know? My game ended pretty fast!
  14. I was approved for a $15k Cap One Quicksilver Visa Signature card a few days ago. I was reading about the Venture card and decided, why not apply? I don't know if C1 is broken or if they're just nuts, but I just got approved for another card. Does anyone want to guess the limit?

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information