I wanted to share a datapoint for anyone researching post-bankruptcy credit rebuilds.
Original discussion thread: Burn Book: You Can’t Pay With Us
Timeline:
Filed: Early April 2026
341 Meeting: Early May 2026
Discharge: Expected around July
Today (5/31), I decided to test Capital One’s pre-approval tool and was offered multiple unsecured cards; ultimately chose the Savor Rewards card.
Approval details:
- Capital One Savor Rewards for Good Credit
- Approved before discharge
Included in my bankruptcy were Amex, Apple, Citi, Chase, Discover, SoFi, Wells Fargo, and several other accounts. Capital One was not included.
I know many recent threads focus on Mission Lane, Credit One, secured cards, etc., so I wanted to share a real-world datapoint that may help someone in a similar situation.
I’ll continue updating as:
- discharge is entered,
- accounts finish updating on my reports
- I begin rebuilding
Hold the faith! You’ve got this. Just be wise 😉
submitted by /u/takeitfromthisguy
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