Here is a chronology of my experience with Capital One: November 1998 - Filed Chap. 7 BK and received a $1,000 card secured with $99 deposit and a $29 annual fee. The offer was preapproved. February 1999 - BK granted. November 1999 - Card is unsecured. $99 + interest is returned. September 2000 - Upgraded to $3,000 gold. Annual fee eliminated. Offer preapproved. February 2001 - Interest rate reduction to 17.9% fixed. March 2001 - I plan to ask for an increase in limit. April 2001 - Update the CRA's with my new limit. Hopefully a $4,000 card. Remember, that Capital One does not report your limit to the CRA's. P.S. Capital One tried to get me to pay a $99 fee to upgrade to gold in September. I refused (politely of course) and still got the card. I am temporarily putting close to $3,000 in debt on the card this month to justify the limit increase next month. Then I will pay the debt off. Capital One is not the best of cards. We all know that, but considering my recent credit problems, they have been good to me.