Just to give hope to others who went through ch 7 BK. (note: zero lates in 4 years with cap one credit cards & cap one auto loan)
April 2016 app spree this past weekend with scores in the 660-680's, 5 years discharged.
Discover - DENIED
Barclays Ring - approved $5,000
Capital One Quiksilver Rewards - approved $3,000
Capital One Venture One- processing (being manually reviewed due to double app)
AMEX Everyday - approved instantly $500 (what?)
AMEX Blue Cash - approved $5,000 (yes!!) (after being manually reviewed due to double app)
+ Auto Loan 3 weeks old with Teachers Credit Union - 4% APR! (my previous capital one auto loan opened shortly after BK was 11%!)
I am DONE for many years and look forward to gardening!
p.s.
Can anyone tell me why AMEX gave me such a puny $500 limit on the Everyday card, and just 3 days later $5,000 on the Blue Cash??? Any ideas? I don't plan to close that card but I was stunned when I saw such a small opening credit line.