Jump to content

Sign in to follow this  
8ball

CapitalOne Quicksilver

Recommended Posts

November 2019 will be 2 years since my BK was discharged. I got a CapitalOne Platinum card immediately after discharge with a $3,000 limit. (It's now at $3,500, never have asked for an increase).

I apped BOA and Discover a couple of Months ago and was declined even though they weren't IIB and I had been a long time customer. 

I currently have the Platinum card and a Kohls card that survived the BK. I'm an authorized user on 2 of my wife's cards.

CapitalOne asked for current income a couple of weeks ago, around $150,000, and today I got a pre-approved offer for the Quicksilver. No annual fee but it says you can get "Access to a higher credit line after your first 5 months on time payments." I'm assuming this means it's another bucketed card.

I assume I need a third card but I don't really need the credit lines for anything so am I better off waiting and trying Discover again at the 2 year mark?

Experian Fico 8- 684, Fico 9- 710

Fako scores all in the 740 range.

1 inquires showing on the bureaus. 

Thanks

 

Share this post


Link to post
Share on other sites

I had a business bankruptcy, with assets, and ended up burning Chase, Wells Fargo, US Bank and American Express.

BOA and Discover both turned me done (even though Discover said I was pre-qualified).

I was going to wait for the 2 year mark for my credit union so I'm not sure who else I would apply to. 

I have enough credit with the wife's cards that I don't want to just throw apps out there.

Share this post


Link to post
Share on other sites
10 hours ago, hegemony said:

when I was post BK my highest approvals and best cards were from CUs.

Did you wait a certain amount of time after discharge? 

Share this post


Link to post
Share on other sites
4 hours ago, 8ball said:

Did you wait a certain amount of time after discharge? 

24 months seems to be an important threshold. do some research on CUs and oddball issuers as some might want more post BK age. good luck!

Share this post


Link to post
Share on other sites
2 hours ago, hegemony said:

24 months seems to be an important threshold. do some research on CUs and oddball issuers as some might want more post BK age. good luck!

Thank you!

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  




  • Today's Birthdays

    1. MB82x
      MB82x
      Age: 38
    2. kforde
      kforde
      Age: 35
    3. tachynurse
      tachynurse
      Age: 37
  • Member Statistics

    • Total Members
      177,976
    • Most Online
      2,046

    Newest Member
    mobaby
    Joined

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

Guidelines