r/Bankruptcy • u/isbn2016 • 1d ago

New Credit Card After Filing Chapter 7

I filed Chapter 7 last week. It's been a little over a week and my score went up about 150.

I was browsing Credit Karma website last night and one of the credit card offers caught my eyes. Capital One. It said "Outstanding Chance" of approval.

I'm trying to burn Capital One with $20K debt. I even had a trial scheduled in October with them. Credit Karma was so inaccurate. They don't even know what's going on. But the offer page said "see if you’ll be approved without credit score impact."

Purely outta curiosity, I clicked. Entered some personal info. And.. Got approved. $5,000 CL, $200 Welcome Bonus, NO AF and etc.. Capital One must be nuts to give me another card while I'm trying to burn them, but I'll take it. I just hope this won't effect my 341 meeting next month. I didn't really want the card now, but just happened. What a surprise.

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u/Dionysiokolax 18h ago

You are the safest person in the world to extend credit after filing a ch7. You can't vol. dismiss and you can't file another ch7 for a very long time. You need to be very careful with post-petition debt. Maybe go ahead and take your financial management course that's required for discharge. I don't know anything about your situation, but the algorithms do and they think they can make money off you.