topic Re: My Credit Card Life is Complete (for now)! in Credit Card Approvals

My Credit Card Life is Complete (for now)!

kberly69 — Sat, 03 Jun 2017 23:36:35 GMT

I was discharged from Chapter 7 BK almost 8 months ago and have been rebuilding as hard as I can. My scores are just shy of 700 across the board. I've been able to get a Platinum Capital One ($3800), a QS ($10K), a decent auto loan (4.24%), some store cards, Blispay ($4K) and had decided my last goal before gardening was to get a Discover. I have been checking the prequal with nothing but the wide range and was hoping to see a mailer or more narrowed interest rate online around my year after discharge mark. Lo and behold, in today's mail was a beautiful pink sparkly envelope and I was approved for $4K.! I find it a little strange that I received no email from them or an alert for a credit pull but the approval page told me to look for the card and info in 5-7 days.

Now to age like a fine wine and work on a mortage in 2018.....

Re: My Credit Card Life is Complete (for now)!

Gidgetmom — Sat, 03 Jun 2017 23:40:46 GMT

Congrats! That's awesome!

Re: My Credit Card Life is Complete (for now)!

Spotsy — Sun, 04 Jun 2017 00:27:11 GMT

Can you confirm that you were discharged from BK7 in 10/2016...discharged meaning that is when the courts approved the clearing of all of your debts...and in early 2017 your FICO scores are in the upper 600s? When did you file?

Re: My Credit Card Life is Complete (for now)!

Anonymous — Sun, 04 Jun 2017 00:27:40 GMT

That is Superb! Congrats on Discover!! It's always awesome when things fall in line like that.

I'm currently in the garden. When I received a Discover mailer recently I just thought to myself how cruel it was to get it. Oh Discover how you taunt me.

Re: My Credit Card Life is Complete (for now)!

AverageJoesCredit — Sun, 04 Jun 2017 00:42:09 GMT

Wow from discharge to almost 700 in 8 months. Impressed. Getting Disco is icing on the cake especially with less than a year old bk. They must really like you. Well done

Re: My Credit Card Life is Complete (for now)!

kberly69 — Sun, 04 Jun 2017 00:43:36 GMT

@Spotsy wrote:
Can you confirm that you were discharged from BK7 in 10/2016...discharged meaning that is when the courts approved the clearing of all of your debts...and in early 2017 your FICO scores are in the upper 600s? When did you file?

Yes, I was discharged 10/6/1 and filed 5/31/16. I think my scores are doing so well because I waited so long to file BK. All of my financial woes were due to divorce in 2012 and I kept thinking I might magically some day be able to take care of my debt. I was also choking on the idea of paying $1800 for an attorney ( I finally decided to go pro se and it worked perfectly for me). For some reason, a few of my neagtive accounts aren't on my credit reports (they were before filing). The remaining have dates of original delinquency over three years ago. I also incurred medical debt that was never placed on my reports. I have a foreclosure as well, but that's also somewhat aged. I have a few pre-BK positive items as well (credit card, mortgage, car loan). I think all of these things have contributed to a fast rebound for me. I know I won't be getting the best rates, a mortgage, or be allowed to get certain credit cards yet, but as of today, I have been able to do way more than I anticipated at this stage.

Re: My Credit Card Life is Complete (for now)!

kberly69 — Sun, 04 Jun 2017 00:46:37 GMT

@Anonymous wrote:
That is Superb! Congrats on Discover!! It's always awesome when things fall in line like that.

I'm currently in the garden. When I received a Discover mailer recently I just thought to myself how cruel it was to get it. Oh Discover how you taunt me.

I read somewhere here that the envelope was pretty, but geez, it was like a mesmerizing little pink jewel. They knew how to catch my attention!

Re: My Credit Card Life is Complete (for now)!

kberly69 — Sun, 04 Jun 2017 00:49:03 GMT

@AverageJoesCredit wrote:
Wow from discharge to almost 700 in 8 months. Impressed. Getting Disco is icing on the cake especially with less than a year old bk. They must really like you. Well done

Thanks! I read somewhere that 8 months post discharge was a potential point of love from them. I guess it's true!

Re: My Credit Card Life is Complete (for now)!

Total80sKid — Sun, 04 Jun 2017 05:44:28 GMT

Awesome! Congrats!!

Discover is one of two cards I ultimately want to add to my collection. 😀

Re: My Credit Card Life is Complete (for now)!

Anonymous — Sun, 04 Jun 2017 05:55:48 GMT

awesome! congrats!

Re: My Credit Card Life is Complete (for now)!

Anonymous — Sun, 04 Jun 2017 11:11:56 GMT

Congrats!

Re: My Credit Card Life is Complete (for now)!

creditlady43 — Mon, 05 Jun 2017 19:22:45 GMT

Congrats!

Re: My Credit Card Life is Complete (for now)!

Anonymous — Mon, 05 Jun 2017 22:27:41 GMT

Congratulations on the Discover and your SL. Discover is my everyday card. Before I found this site I had apped for several cards and was declind with all three scores around 665. The ones that turned me, I personally say to hell with them. They dont want my monies off from the transaction fees and grow with me, then I dont need them. Im in the garden until I get my ulitzation down to about 10% per card...

Re: My Credit Card Life is Complete (for now)!

Anonymous — Thu, 08 Jun 2017 02:30:47 GMT

@kberly69 wrote:
I was discharged from Chapter 7 BK almost 8 months ago and have been rebuilding as hard as I can. My scores are just shy of 700 across the board. I've been able to get a Platinum Capital One ($3800), a QS ($10K), a decent auto loan (4.24%), some store cards, Blispay ($4K) and had decided my last goal before gardening was to get a Discover. I have been checking the prequal with nothing but the wide range and was hoping to see a mailer or more narrowed interest rate online around my year after discharge mark. Lo and behold, in today's mail was a beautiful pink sparkly envelope and I was approved for $4K.! I find it a little strange that I received no email from them or an alert for a credit pull but the approval page told me to look for the card and info in 5-7 days.
Now to age like a fine wine and work on a mortage in 2018.....

congrats! did u burn discover on your bk filing by any chance>?

Re: My Credit Card Life is Complete (for now)!

kberly69 — Thu, 08 Jun 2017 11:20:25 GMT

No, I didn't. This is my first relationship with them.