Will capital one issue you a second credit card if you have had one in the past and not paid it?

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Will capital one issue you a second credit card if you have had one in the past and not paid it?

Ed Nailor

Surprisingly, yes they will. Years ago I had a Capital One account that went bad. About 4 years later they granted me a 2nd account.

However, you might want to consider Orchard Bank. They typically have a better program and easier qualifications.

Either way, try to make sure you use the credit card to help you, not as an excuse for a shopping spree.

bens_torm

Not if they have any sense.

kay2006

NO but then again it depends on how long it's been.

sophieb

perhaps you should ask capital one that question. From what I've heard, and had experience with, generally credit card companies or banks will not issue you a card if you have once defaulted (not paid them). How do they know? They check your social security card number. Since you can only have just one social security card number they know who you are. And, you cannot lie about your credit card number.

When you default it goes on your credit report, and stays there requiring your payment in full. And stays on your credit report for 7 years "after the last communication"...not just 7 years after you walked away from it. But it won't be erased until you pay it, and even after you pay it if it had been defaulted, it would remain another 7 years on the report saying that it had been defaulted and was paid.