topic Re: Discover Card in Bankruptcy

Discover Card

Anonymous — Tue, 05 Nov 2019 15:43:01 GMT

How long after you file bankruptcy on discover card do you have to wait to qualify for a card again? I filed almost 3 years ago and my husband was approved for a card with them but they keep denying me for past account with them

Re: Discover Card

Anonymous — Tue, 05 Nov 2019 16:20:23 GMT

@KTPERRY - Try for a secured card...

Re: Discover Card

Scupra — Tue, 05 Nov 2019 17:07:38 GMT

@Anonymous wrote:
How long after you file bankruptcy on discover card do you have to wait to qualify for a card again? I filed almost 3 years ago and my husband was approved for a card with them but they keep denying me for past account with them

Different for everyone unfortunately.. 5-10 years after burning them would be a decent guess. There has been a couple people here to get back in so hopefully they chime in for you.

Re: Discover Card

FireMedic1 — Wed, 06 Nov 2019 13:15:23 GMT

Just like Disco's CLI's. Theres no telling when and whogets back together with Miss Disco. Roses may help!

Re: Discover Card

FireMedic1 — Wed, 06 Nov 2019 13:17:03 GMT

@Scupra wrote:
@Anonymous wrote:
How long after you file bankruptcy on discover card do you have to wait to qualify for a card again? I filed almost 3 years ago and my husband was approved for a card with them but they keep denying me for past account with them
Different for everyone unfortunately.. 5-10 years after burning them would be a decent guess. There has been a couple people here to get back in so hopefully they chime in for you.

Welcome back @Scupra . Been a while.

Re: Discover Card

Scupra — Wed, 06 Nov 2019 16:22:45 GMT

@FireMedic1 wrote:
@Scupra wrote:
@Anonymous wrote:
How long after you file bankruptcy on discover card do you have to wait to qualify for a card again? I filed almost 3 years ago and my husband was approved for a card with them but they keep denying me for past account with them
Different for everyone unfortunately.. 5-10 years after burning them would be a decent guess. There has been a couple people here to get back in so hopefully they chime in for you.
Welcome back @Scupra . Been a while.

@FireMedic1 hello and thank you, you still remember this guy? haha.. been very busy with work and it has pulled me away from here. Nice to see some OG's around

Re: Discover Card

Anonymous — Mon, 18 Nov 2019 13:13:00 GMT

I have been trying to get back in with Discover but to no avail. I was a member for, gosh, at least six years with them but apparently my perfect payments (and sometimes extra payments) meant diddly to them. I burned them for just under $800 dollars and they will not let me back in to save my life. I was discharged in Oct 2018. Some folks got right back in after discharge, but not me. So, I have just decided to heck with 'em. I don't need their card to make my life complete

Best of luck in your post BK future!

Re: Discover Card

krielly — Tue, 19 Nov 2019 21:29:28 GMT

We filed our Chapt 13 in 2005. Didn't have an account with Discover at that time, but I can tell you that they would not give me a card until my BK was off my record. It had nothing to do with burning them, just the fact there was even a BK reporting.

Re: Discover Card

Anonymous — Mon, 24 Feb 2020 07:28:08 GMT

My BK is from 2012. Two more years till removal. I just got approved for a Discover with an 11k SL. Not sure their rhym or reason.

Re: Discover Card

joltdude — Mon, 24 Feb 2020 14:57:05 GMT

In the past iv seen anything from 2 years post BK to.... it being off your CR....

Occasionally earlier.... as some have said.. its hit or miss... but if i read the ops posts correctly... id start trying sept/oct of this year....

Good luck..

Miss Disco is a little ditzy and unpredictable....

-J

Re: Discover Card

AverageJoesCredit — Mon, 24 Feb 2020 16:03:05 GMT

@Anonymous wrote:
I have been trying to get back in with Discover but to no avail. I was a member for, gosh, at least six years with them but apparently my perfect payments (and sometimes extra payments) meant diddly to them. I burned them for just under $800 dollars and they will not let me back in to save my life. I was discharged in Oct 2018. Some folks got right back in after discharge, but not me. So, I have just decided to heck with 'em. I don't need their card to make my life complete

Best of luck in your post BK future!

Unfortunately how well one managed a card before a burn matters not a bit once you burned them . Whether $800 or $8000 , once you failed to complete your side of the bargain, ie pay what you used, they arent obligated to give anything or give a pat on shoulder for previous good behavior. It stinks but thats the credit game. I wish all lenders would give a second chance, and most do, even Discover, some dont. Lol, my local Bank is worse thsn Chase and Amex combined and will never forgive. Meh, thats why we get our sec9nd chances and make the most of them when given

Re: Discover Card

AverageJoesCredit — Mon, 24 Feb 2020 16:04:22 GMT

@Anonymous wrote:
My BK is from 2012. Two more years till removal. I just got approved for a Discover with an 11k SL. Not sure their rhym or reason.

THIS* is Discover

Thats a monster limit, most of us chase for years, congrats