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Valued Contributor
pizza1
Posts: 1,540
Registered: ‎07-17-2013
0

When (post BK), did you get Discover card?

I'm curious to know....

Post any BK, when were you approved for a Discover card??? If you were approved for Discover More, It, etc.... It would help the rest of us out in determining future apps with them:smileyhappy: if you were approved please tell us the following:

1) how far out post filing/ post DC
2) your scores at the time of app
3) were you approved instantly, or did you recon
4) initial credit limit
5) anything else useful like... How many post cc's did you have before app, were you an AU etc....

Thanks for looking here, and posting if you have one. I'd put this thread in regular credit card section, but this is different and credit is treated differently with people who have a bankruptcy! :smileyhappy:
BK 7 D/C: 08/19/13~FICO-400's---> 09/14~EQ 659,EX 641,TU 650
3 major cc/ 8 retail cc= $34,850 avail credit, plus a $15k LOC
Total revolving credit reporting is 1%
Moderator
09Lexie
Posts: 26,027
Registered: ‎09-13-2012
0

Re: When (post BK), did you get Discover card?

[ Edited ]
My Ch 13 is still on my EQ and I was approved this Jan. Did not app before, no recon CS was 707, initial CL $2500 now its $7300. My bk was from 2005 and I had since reestablished and kept cc's prior to filing.
Valued Contributor
pizza1
Posts: 1,540
Registered: ‎07-17-2013
0

Re: When (post BK), did you get Discover card?

09Lexie.... Oh wow! Very nice! congrats on that!! Sometimes I think ch13 and ch7 are looked at a little differently, I don't know. I know Soulmaster got one within 2 yrs of bk7. This is a goal card of mine!!! I'd live to have one within 4 yrs! Thanks for replying and nice CL you have too!:smileywink:
BK 7 D/C: 08/19/13~FICO-400's---> 09/14~EQ 659,EX 641,TU 650
3 major cc/ 8 retail cc= $34,850 avail credit, plus a $15k LOC
Total revolving credit reporting is 1%
Valued Contributor
Scupra
Posts: 1,590
Registered: ‎07-12-2012
0

Re: When (post BK), did you get Discover card?

Some day...

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
693 EQ FICO 10/2014
680 TU FICO 09/2014
682 EX FICO 09/2014
$14k NFCU Flagship Sig - $14k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival + - $5k Cap1 Quicksilver - $2.2k Amazon Store
Moderator
09Lexie
Posts: 26,027
Registered: ‎09-13-2012
0

Re: When (post BK), did you get Discover card?

@Scupra

Yes, it's not impossible at all. Just give your CR's a little time.
Valued Contributor
Scupra
Posts: 1,590
Registered: ‎07-12-2012
0

Re: When (post BK), did you get Discover card?


09Lexie wrote:
@Scupra

Yes, it's not impossible at all. Just give your CR's a little time.

Exactly! I am waiting until 2-3 years post d/c to even try! I dont want to be denied and want to be in the best position to be approved when I do app.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
693 EQ FICO 10/2014
680 TU FICO 09/2014
682 EX FICO 09/2014
$14k NFCU Flagship Sig - $14k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival + - $5k Cap1 Quicksilver - $2.2k Amazon Store

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