Just a note: to keep the CC board from getting cluttered, I'm de-stickying this note. Please keep the posts coming, especially if you don't want the thread to vanish off the first few screens. 
Discover blacklists. My husband was told before agreeing to a repayment plan he would be free to apply for a Discover after it was paid off. He did the four years faithfully, no lates whatsoever. In fact, his credit report never shows a late with them due to the time elapsed. The payment plan was finished in November. He called them in January was after applying over the phone, noticed online they application had been cancelled. He called the backdoor number and the nastiest rep (who lied BTW regarding his FICO credit scores, yep, a hard pull) who said A) my husband must have misunderstood the three times he inquired about future applications, B) Discover wants nothing to do with him whatsoever C) No application will ever be further considered. huh? My husband very nicely stated even another rep had said after four years of on time payments, never late, never missed, that right there is proof of repayment. Rep said no. Reviewing his file with them of his records, I don't see where it was even close to a CO...I don't know why it was a bad deal. I thought he's record was okay with them. Soooo...
Discover blacklists if you've been in a repayment program of 0% interest and $100 a month and still PIF perfectly.
EQ. Starting Score 08/19/12: 545
I applied for a Crap 1 card about two weeks ago. I was decline and called the backdoor number to find out. CSR stated that a old paid charge off was the reason I was denied. I told her I was approved for a Capital One CC at the end of 2008, which I still have and has never had any lates or deregos. She couldn't give me an answer and told me that I would be getting the letter stating why in the mail and no hard inquiry on my report. Anyone else had this happen?