Anyone had a success with a recon to the Discover it? I had a bankruptcy discharge 7/2012 & have built my credit up since then. I have just been approved for Barclays Visa(Apple version) for $2000 & I can't understand why they aren't taking me under consideration....I just called the recon number and they said well our system automatically declines you and we can't do anything. Is there a better number to call? I took the hit so I need to try and get a better answer than that. Help please!
When I spoke to a disco underwriter last summer I was told minimum 24 months after bk. They aren't that bk friendly even after 24 months though.
Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
New goal 675Darn, even to do a balance transfer? You would think when we want to give them our business it would be smart to at least hear us out. She wouldn't even discuss it with me. 
@Mads8 wrote:Darn, even to do a balance transfer? You would think when we want to give them our business it would be smart to at least hear us out. She wouldn't even discuss it with me.
yeah, you're not nearly far along enough in your rebuilding efforts to look at Discover. I would to eliminate some of those un-needed store cards and look to get credit line increases on your un-secured credit cards to have those lines of credit higher than what they are, they're still quite entry level. Better to have fewer good cards with good credit limits than a bunch of meaningless cards all with small entry level limits. It shows that you haven't grown. At this point you should have no secured credit.
I'd work on this in the next year, get your scores around the 670 range and try and revisit.
Thanks for the reply! Well here is what I am scared of....If I close like Ann Taylor and Buckle, (which i will NEVER use) will it hurt my credit? The rest of them, like VS and EXPRESS I will use, so I don't necessarily need to close them....Barclays was the first to give me a chance and I want to close those darn Capital One cards but I need to do a balance transfer, and that is what I was hoping to do with the DCIT
Because I have been reading horror stories of Capital one and never increasing your limit...Im enrolled in credit steps in both capital one cards and at the 6 month mark, they raise your limit to 750.00...& from what I have read, never again. That doesn't sound like my forte, and I do have an annual fee on both for 39.00...My best buy Citi card has an annual fee for 59.00....The only reason I accepted was to get my foot in the door with CITI....Probably wasn't a good idea. & then the Ann Taylor & Buckle came from the shopping cart trick. I really didn't need them. It was all about the rush of being approved without a hard pull....But I do not need them and will not use them.
I wouldn't worry about your current line up now. Shiw that you can handle credit again before applying to lenders like Discover.
Discover is a more conservative lender, moreso than Chase when it comes to bk IMO
You would need upwards of 5-6 years before Discover would say yes.
Capital One has gotten better this year and their Credit Steps program has been good to a lot on the Credit Card Forum.
Bottomline is a bk is a major derog and assuming a lender will accept your new credit and not look at the bk is a bit naive. Now, ypu can improve your credit by getting some time in between the bk and any future apps. You've started the key strips in rebuilding with an array of credit cards. Good for you in getting a national bank cc (Barclays) that will help with your new foundation.
"7. 11 Months after opening your CreditOne Card (6 Months after opening the CapitalOne card, after you get your CLI):
a. If you did NOT burn Discover Card in your BK, Apply for a DiscoverIT card (www.discover.com), take whatever counter-offer they give you. (www.discovercard.com)"
I think this step in the "how to bk to 700 in 24 months" thread is a little early in the rebuild process. While I do think and approval is possible, I don't think the odds are in our favor that soon. YMMV as always 
