topic Re: Discover It 9500.00 approval after bankruptcy in Credit Card Approvals

Discover It 9500.00 approval after bankruptcy

BigOrange — Fri, 04 May 2018 14:39:41 GMT

Filed bankruptcy chapter 7 five years ago. Included Discover in it for 7200.00. Got a Capital One Secured card 09/2014, which really seems the way to start out, and added 700.00 to get the CL to 900.00. They converted it to unsecured card without me asking at some point. March 2017 13 months ago, I applied for a Capital One Quicksilver and it has a CL of 3500.00. I logged in and asked for an increase to 5,000 and they gave me 7000.00. I pay off my balance every month.

Was reading on here Discover is a good one to try, so checked pre-approvals and had one for the Discover IT and the other one. Applied and got a 9500.00 limit! Wasn't expecting that since I included them in my Bankruptcy for 7200.00!

The moral of the story, is they loan people money who don't need it. :-)

Re: Discover It 9500.00 approval after bankruptcy

Anonymous — Fri, 04 May 2018 04:35:31 GMT

Congrats on Approval nice SL

Re: Discover It 9500.00 approval after bankruptcy

CreditWolf — Fri, 04 May 2018 07:34:17 GMT

after bk i think its a great card to have congrats

Re: Discover It 9500.00 approval after bankruptcy

DemonHusker — Fri, 04 May 2018 13:37:54 GMT

Congrats and good to know. I had a chargeoff with them back in 2013 that has now been paid in full but when I check for prequal on their site it denies me everytime stating past negative accounts or something like that. Maybe it has to completely fall off the credit report before I can get a prequal. Anyway thanks for the info.

Re: Discover It 9500.00 approval after bankruptcy

Anonymous — Fri, 04 May 2018 13:40:02 GMT

Congrats!!

Re: Discover It 9500.00 approval after bankruptcy

BigOrange — Fri, 04 May 2018 14:29:07 GMT

@DemonHusker wrote:
Maybe it has to completely fall off the credit report before I can get a prequal. Anyway thanks for the info.

Very possible, everything has dropped off my report except for the Bankruptcy.

Re: Discover It 9500.00 approval after bankruptcy

AverageJoesCredit — Fri, 04 May 2018 17:12:49 GMT

Nice, Discover LOVES some with BK , they want to be your under cover credit card lover lol

Re: Discover It 9500.00 approval after bankruptcy

BigOrange — Sun, 06 May 2018 00:56:49 GMT

Is there anywhere else I should try that will do 5 years after bankruptcy? I already have Capital One Quicksilver & Platinum.

CreditKarm says Trans Union 701 & Equifax 714

Re: Discover It 9500.00 approval after bankruptcy

Anonymous — Sun, 06 May 2018 19:13:49 GMT

Congrats on the approval! My Discover was iib, under $500 and no Pre-Approved offers for me 7 years later. Funny how these things work sometimes.

Re: Discover It 9500.00 approval after bankruptcy

BigOrange — Sat, 02 Jun 2018 18:33:04 GMT

After I got my card, I determined my TU Fico is 617, so apparently, I am very lucky to get this card with this CL.

Re: Discover It 9500.00 approval after bankruptcy

Anonymous — Fri, 03 Aug 2018 14:39:49 GMT

My bankruptcy was 8/2012 and won't fall off my report until 8/2019. I'll admit, I was skeptical at first but using the pre-qualify put me at ease. I was pre-approved and applied. Low and below, Congrats, I was approved. I then checked my CL and it was 10,500. Largest CL credit card I ever had. I'm still in awe. I have a Capital One Quicksilver(3,300) and Capital One Platinum(4,000), Kohl's(700) Chevron(1,800). My credit score(Exp 684/TU678/Ex 688).

Re: Discover It 9500.00 approval after bankruptcy

morgacj2004 — Fri, 03 Aug 2018 15:04:25 GMT

Congrats very high ICL! for Discover especially since IIB.

Re: Discover It 9500.00 approval after bankruptcy

Anonymous — Fri, 03 Aug 2018 15:24:41 GMT

@BigOrange wrote:

Was reading on here Discover is a good one to try, so checked pre-approvals and had one for the Discover IT and the other one.

First, congrats on this!!!

Also, wondering how you check for pre-approvals. I've seen a couple people mention this, but I don't know how to do it or where to look. Thanks!

Re: Discover It 9500.00 approval after bankruptcy

BigOrange — Fri, 03 Aug 2018 15:30:30 GMT

Google this- Discover Card Prequaiify.

Re: Discover It 9500.00 approval after bankruptcy

Anonymous — Fri, 03 Aug 2018 15:41:02 GMT

Just google Discover pre-qualify. It won't your score to check

Re: Discover It 9500.00 approval after bankruptcy

19eighty5 — Fri, 03 Aug 2018 17:51:19 GMT

Congratulations on your massive approval!

Re: Discover It 9500.00 approval after bankruptcy

Anonymous — Fri, 03 Aug 2018 18:00:15 GMT

Thank you, I'm happy about it.

Re: Discover It 9500.00 approval after bankruptcy

Anonymous — Sat, 04 Aug 2018 00:42:12 GMT

@BigOrange wrote:
Filed bankruptcy chapter 7 five years ago. Included Discover in it for 7200.00. Got a Capital One Secured card 09/2014, which really seems the way to start out, and added 700.00 to get the CL to 900.00. They converted it to unsecured card without me asking at some point. March 2017 13 months ago, I applied for a Capital One Quicksilver and it has a CL of 3500.00. I logged in and asked for an increase to 5,000 and they gave me 7000.00. I pay off my balance every month.

Was reading on here Discover is a good one to try, so checked pre-approvals and had one for the Discover IT and the other one. Applied and got a 9500.00 limit! Wasn't expecting that since I included them in my Bankruptcy for 7200.00!

The moral of the story, is they loan people money who don't need it. :-)

Discover realized how great of customer you are. They just had to have you back. Congrats, OP! You earned it.

Take care of thing.