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Ive done alot of reading and was currious what the concensous was. do they black list or not? I had an AF card with them back in 2004 when being deployed they added the af, then interest, then late fees, then lowered the limit, then over the limit fees etc. over 18 months later when I get home and see this and call in horor. I sued under the Servicemembers relief act and won. It was deleted from CRA but they sent a nasty gram pretty much saying never apply to me. Im just wondering if anyone has a definate answer yet.
haha thanks for the support guys lol
My mom burned Discover in bankruptcy in 2004 for almost $12000 and she just got approved for a Discover IT with a $5500 CL
You never really know until you try, but hopefully you're not.
Had a CO on a Discover, joint card holder with the DW. It went to a CO about 3 years ago. I paid them off, Discover directly, no CA. Just got seperate DiscoverIT approvals, $5500 for me and $5000 for DW. I understand my situation was different than yours, but I thought I would be blacklisted too.
I'm rather certain they blacklist, but not forever. I burned them back in 1997/1998 and was approved for Discover in December 2012. It may take time but it probably won't be forever.
You should be fine. The SCRA which is law clearly prohibits the actions which Discover took. I ran into a similar situation during the first gulf war when deployed and on my return I was able to clear up several issues with a little time and paperwork. If you were in a designated combat theater of operations then you have even more relief options available. If the only issues you had with discover are what you stated above and they deny you then I would contact the BBB your local congressman and the Consumer Protection Agency. You might consider trying to get in contact with Discovers executive office before applying and see what they can do for you.
@swpopham wrote:Ive done alot of reading and was currious what the concensous was. do they black list or not? I had an AF card with them back in 2004 when being deployed they added the af, then interest, then late fees, then lowered the limit, then over the limit fees etc. over 18 months later when I get home and see this and call in horor. I sued under the Servicemembers relief act and won. It was deleted from CRA but they sent a nasty gram pretty much saying never apply to me. Im just wondering if anyone has a definate answer yet.
Based on the limited facts you have given I would say they would give you another card if you meet all their other criteria Discover is to big a company to want to risk alienating the public or giving a politician ammo to score some sound bytes on local tv by appearing to be taking advantage of servicemembers. There have been some huge fines handed down to companies in the past who violated the SCRA.
@solxp wrote:You should be fine. The SCRA which is law clearly prohibits the actions which Discover took. I ran into a similar situation during the first gulf war when deployed and on my return I was able to clear up several issues with a little time and paperwork. If you were in a designated combat theater of operations then you have even more relief options available. If the only issues you had with discover are what you stated above and they deny you then I would contact the BBB your local congressman and the Consumer Protection Agency. You might consider trying to get in contact with Discovers executive office before applying and see what they can do for you.
@swpopham wrote:Ive done alot of reading and was currious what the concensous was. do they black list or not? I had an AF card with them back in 2004 when being deployed they added the af, then interest, then late fees, then lowered the limit, then over the limit fees etc. over 18 months later when I get home and see this and call in horor. I sued under the Servicemembers relief act and won. It was deleted from CRA but they sent a nasty gram pretty much saying never apply to me. Im just wondering if anyone has a definate answer yet.
Based on the limited facts you have given I would say they would give you another card if you meet all their other criteria Discover is to big a company to want to risk alienating the public or giving a politician ammo to score some sound bytes on local tv by appearing to be taking advantage of servicemembers. There have been some huge fines handed down to companies in the past who violated the SCRA.
The SCRA does not have any jurisdiction which mandates any lender to extend credit solely based on a previously settled/litigated issue. While the OP was successful with settling/fixing the previous disputed situation, the lender as a result has also taken precautionary measures with its underwriting to any individual(s) who have demonstrated to be an adverse risk to the lending institution (e.g. losses, recoveries, fraud, etc). Essentially, depending on whether Discover decides to extend credit to the OP (provided he/she meets the underwriting criteria) then there is really nothing that the BBB or CPB could do to "force" any lending institution to extend credit solely based on the above reasons. However, the only way to determine the "blacklist" factor is whenever the OP decides to apply.