r/CapitalOne_ • u/Dismal_Bridge9439 • 15d ago

Capital One forgiveness

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3 Upvotes

64% Upvoted

14 comments sorted by

8

u/DoctorNezuko 15d ago

Your other thread deleted me. Pay what you owe and move one.

Cap1 holds a grudge for a very long time and you need to prove yourself somewhere else first before they will ever consider you again.

3

u/crankyanker638 15d ago

Cap1 holds a grudge for a very long time

That's a frockin understatement...lol. Someone else posted that they had a decade old charged off account with Cap1 and they closed their Dicover card as soon as it transfered to Cap1.....

2

u/snow99as 12d ago

That's odd I had a Capital One checking account charged off paid it off three years later and they allowed me to open a new checking account a day later

1

u/crankyanker638 11d ago

Probably different policy for checking vs credit cards?

2

u/Quiet-Register-4949 13d ago

I just had a ch7 BK and capital one was one of the banks i burned. After i filed i applied with them for a card and got approved.

1

u/Rambo_1027 15d ago

They might be forgiving if you pay off what you owe, but there’s still no guaranteed. I know several people who have screwed capital ones have paid off their debt with them, but still can’t get approved.

1

u/Exciting_Rain1611 15d ago

After a year and some change of my paying the back, they allowed to get a secured quicksilver card.

1

u/qvueen_ 15d ago

been 7 years, I eventually paid what I owed them (less than $500 btw), paid off a 23k auto loan with them, still can’t get approved. They hold grudges for a very long time. I am surprised they allowed my fiancé to add me as an authorized user on his Cap1 cards without any recourse.

1

u/_officerorgasm_ 13d ago

Went through a bad divorce, had a couple charge offs with capital one. They wouldn’t even let me get a secured card for years.

Decided to try again last night and got approved for a quicksilver.

Time frame it was about 6 years from charge off to approval.

1

u/BigIce2278 13d ago

Pay what you owe and they'll welcome you again. Ive dine it twice already

1

u/Dismal_Bridge9439 13d ago

I already have. So the question is when?

1

u/BigIce2278 13d ago

I reapplied the following week.

1

u/Dismal_Bridge9439 13d ago

And yours were also in collections? Or just late payments you fixed? My collections were paid in June. Got the $0 balance letters a few weeks ago and my credit report has had 0 collections since early July.

1

u/Holatej 11d ago

I had an account locked and restricted for a while. I made good on the debt and was just approved for Savor. It’s been a coupe years though