No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
In the guide, it mentions to apply for Discover IT card. However, I've heard Discover isn't bk friendly. Has anyone ever been successful in getting a Discover card with a Chapter 7 bk on their file?
I filled out the pre-application just for the heck of it, it recommended the it card. I applied, and of course I got denied. Reasons were "Bankruptcy" and "Past and/or Present Delinquent Credit Obligations"
Yeah, I had a lot of lates prior to bk. Does that mean you have to wait for all those to fall off before they'd even consider letting you have a card? I thought I lucked out by having a Discover It card recommended in their pre-application. I was wrong.
Discover the unicorn... They are an odd lender to say the least lmao
I have an IT card, I got it a couple of months after my BK turned 4 years old. I was not expecting to be approved. I applied with the expectation that it would get denied or I would be offered a secured card and the master plan was RECON upon denial. They did approve me for the very low limit of $1500, but it's all good, I was just going to request an increase later. My utilization is very low (average less than 5%) and my highest credit line is 6k Arrival.
Hi there, I applied last night for Discover It and was approved instantly for 1500.00. My Fico TU 641 and Equfax 619. BK discharged 9/15/14. Make 50k, have auto loan and visa pre bk, my mortgage no longer reports but does show my past history. Not sure why it's not more cut and dry on as to the rational, it's a mystery. Thank you to everyone who contributes, wish I would have known about this site long ago. My alert today advised Discover pulled Equafax, my lowest score.
Hi there, alert was from myfico advising Discover inquirey. Never had a card with them, use to get pre approval apps in the mail when I had high scores and was not interested, I shreded them. Boy have things changed. I want to see you get one with a high limit, you crack me up kidding about it. Looks like you have done well, very happy for you and thank you for all you do you give me hope and pease.