topic Re: Discover Secured Card? in Credit Card Applications

Discover Secured Card?

renamariee — Thu, 27 Feb 2020 17:39:36 GMT

I previously had a secured discover card that was closed by the company due to non-payment back in early 2017. Account has been paid off, never sent to collections, I just couldn't pay my bill for a few months and didn't think to call and let them know. What would be the earliest that I could re-apply for their secured card? I currently have Citi's but I am not a fan. (Did not realize I couldn't raise the limit with additional deposits)

Re: Discover Secured Card?

recoveringfrombk7 — Thu, 27 Feb 2020 18:15:08 GMT

@renamariee wrote:
I previously had a secured discover card that was closed by the company due to non-payment back in early 2017. Account has been paid off, never sent to collections, I just couldn't pay my bill for a few months and didn't think to call and let them know. What would be the earliest that I could re-apply for their secured card? I currently have Citi's but I am not a fan. (Did not realize I couldn't raise the limit with additional deposits)

Have you tried prequal?

Re: Discover Secured Card?

renamariee — Thu, 27 Feb 2020 21:32:08 GMT

Nothing came up when I did the pre-qual and it said I wasn't approved due to the status of a prior account but I wasn't sure how long it would be until I could reapply

Re: Discover Secured Card?

FinStar — Thu, 27 Feb 2020 23:06:16 GMT

You can keep trying here and there, but until that message disappears, it's going to be a hard pass on them due to the nature of the prior negative relationship.