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New Contributor
TurboFX
Posts: 74
Registered: ‎04-04-2014
0

Discover IT approval BK Ch 7 discharged 12 months

Applied for Discover IT with the link for $150 cash back. Got the 5-7 day message.  First thought was that I was denied, but I called them up and they gave a counter for $1K credit limit, 6 months 0%,  no cash bonus, 22.9% APR. I gladly accepted the offer. Only question asked was how long along I filed BK.  Ch 7 filed 12/12 and discharged 4/13 and never had a Discover card.  They pulled my Equifax score @ 686.  After BK discharged I got 2 Capital One cards ($200 and $3K limits after 6 months auto CLI) to start rebuilding ASAP. Approved for Barclay's reward last month $1,500 limit and now Discover $1,000. It is possible to get Discover with recent BK.  Thanks to everyone for sharing their experiences because I never knew you could call for a recon. 

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Mega Contributor
coldnmn
Posts: 15,850
Registered: ‎08-08-2011
0

Re: Discover IT approval BK Ch 7 discharged 12 months

Congrats! Welcome to the forum and thanks for sharing.

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8500
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /

Valued Contributor
gdale6
Posts: 9,596
Registered: ‎12-13-2013
0

Re: Discover IT approval BK Ch 7 discharged 12 months


TurboFX wrote:

Applied for Discover IT with the link for $150 cash back. Got the 5-7 day message.  First thought was that I was denied, but I called them up and they gave a counter for $1K credit limit, 6 months 0%,  no cash bonus, 22.9% APR. I gladly accepted the offer. Only question asked was how long along I filed BK.  Ch 7 filed 12/12 and discharged 4/13 and never had a Discover card.  They pulled my Equifax score @ 686.  After BK discharged I got 2 Capital One cards ($200 and $3K limits after 6 months auto CLI) to start rebuilding ASAP. Approved for Barclay's reward last month $1,500 limit and now Discover $1,000. It is possible to get Discover with recent BK.  Thanks to everyone for sharing their experiences because I never knew you could call for a recon. 


:smileyhappy:

EX Cred Ses 12/14: 796 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 12/14: 858
EQ Fico 05/14 781 ; EQ MPM 12/14: 750
TU Fico 8 12/14: 719; TU MPM 06/14 706
Valued Member
TheGeneralLee862
Posts: 27
Registered: ‎07-03-2011
0

Re: Discover IT approval BK Ch 7 discharged 12 months

Congrats I was pretty happy i just got approved for mine today too after i called the number in the email they sent me and got 1000 dollar limit too! I've been working to get this card for quite a while!


Starting Score: 573
Current Score: 664
Goal Score: 700


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New Contributor
TurboFX
Posts: 74
Registered: ‎04-04-2014
0

Re: Discover IT approval BK Ch 7 discharged 12 months

Thanks everyone. This forum has been very helpful in getting my credit back on track. 

Valued Contributor
asphaltcowboy
Posts: 1,133
Registered: ‎02-03-2013
0

Re: Discover IT approval BK Ch 7 discharged 12 months

Congrats on your new Discover card,

best of luck to you going forward!




Starting Score TU 667 EQ 663 EX 655
Current Score TU 721 EQ 719 EX 717 Last Update 8/2014
Garden Club 04/10/2013 (Goal 2015 or Longer)




Senior Contributor
alvon123
Posts: 9,028
Registered: ‎09-24-2013
0

Re: Discover IT approval BK Ch 7 discharged 12 months

congrats


Valued Contributor
-Wade-
Posts: 12,624
Registered: ‎08-13-2013
0

Re: Discover IT approval BK Ch 7 discharged 12 months


TurboFX wrote:

Applied for Discover IT with the link for $150 cash back. Got the 5-7 day message.  First thought was that I was denied, but I called them up and they gave a counter for $1K credit limit, 6 months 0%,  no cash bonus, 22.9% APR. I gladly accepted the offer. Only question asked was how long along I filed BK.  Ch 7 filed 12/12 and discharged 4/13 and never had a Discover card.  They pulled my Equifax score @ 686.  After BK discharged I got 2 Capital One cards ($200 and $3K limits after 6 months auto CLI) to start rebuilding ASAP. Approved for Barclay's reward last month $1,500 limit and now Discover $1,000. It is possible to get Discover with recent BK.  Thanks to everyone for sharing their experiences because I never knew you could call for a recon. 


Congrats on your approval :smileyhappy:

Old user name newportguy*** Current Score: myFico EQ - 806 (04/04/2014) Discover TU Fico - 813 (09/02/2014) myFico EX - 804 ( 07/08/2014 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ****** FICO 800 Club Member ******* EQ 806 *** TU 813 *** EX 804 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Regular Contributor
somotao
Posts: 229
Registered: ‎08-13-2011
0

Re: Discover IT approval BK Ch 7 discharged 12 months

Congratulations.....Discover is a great card to have. I also got my Discover 12 months post BK7 ...... absolutely loving the card.


Starting Score: 500s
Current Score: EQ: 693myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

Wallet: Discover IT $2000, Capital One Platinum $12000, Barclays Rewards $4700, Walmart $2600, Amazon Store Card $1250.
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