From Chapter 7 Bankruptcy to Venture X in under a year!
Y’all… I still can’t believe this.
I filed Chapter 7 bankruptcy and received my discharge in July 2025. At the time, I felt like I had completely messed up and thought it would take forever to get my credit back on track.
Instead of stressing over my score, I just focused on doing the right things. I opened a Capital One Savor card (July 2025) after my discharge, made my payments on time, kept my balances LOW, and tried to be patient.
Fast forward to today…
I was just approved for a Capital One Venture X with a $10,000 credit limit!!
What’s crazy is that I already have a Venture card that I’ve only had for about 3 months, so I honestly wasn’t expecting much. I saw the pre-approval offer and decided to take a chance.
I’m not making six figures and I’m not a credit guru. I work a regular job and I am also currently pursing my MBA.
This approval means a lot more to me than just getting another credit card. A year ago I was worried about whether I’d ever fully recover from bankruptcy.
For anybody rebuilding after bankruptcy, don’t give up. It may feel impossible in the beginning, but things really can turn around faster than you think.