topic Re: discover blacklist confirmed or busted? in Credit Cards

discover blacklist confirmed or busted?

swpopham — Fri, 01 Mar 2013 16:43:15 GMT

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.

Re: discover blacklist confirmed or busted?

LS2982 — Fri, 01 Mar 2013 16:56:23 GMT

I would say in your situation your probably blacklisted. Only way to find out is apply, they might not even HP.

Re: discover blacklist confirmed or busted?

jsickz32 — Fri, 01 Mar 2013 17:29:57 GMT

I think you are more than blacklisted....

Re: discover blacklist confirmed or busted?

swpopham — Fri, 01 Mar 2013 17:39:22 GMT

haha thanks for the support guys lol

Re: discover blacklist confirmed or busted?

andre181 — Fri, 01 Mar 2013 17:52:38 GMT

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.

Re: discover blacklist confirmed or busted?

jsickz32 — Fri, 01 Mar 2013 17:56:27 GMT

If its worth wasting an HP for IT then try it.

Re: discover blacklist confirmed or busted?

Shogun — Fri, 01 Mar 2013 19:13:50 GMT

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.

Re: discover blacklist confirmed or busted?

atarvuzdar — Fri, 01 Mar 2013 19:41:12 GMT

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.

Re: discover blacklist confirmed or busted?

solxp — Fri, 01 Mar 2013 20:06:57 GMT

@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.
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.

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.

Re: discover blacklist confirmed or busted?

FinStar — Sat, 02 Mar 2013 05:23:42 GMT

@solxp wrote:
@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.
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.
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.

Re: discover blacklist confirmed or busted?

swpopham — Mon, 04 Mar 2013 20:46:05 GMT

Ive been kicking the can down the street for a while, Ive talked to our lawyer who told us even though you won dont do any business with them till the SOL runs out that way they cant say you confirmed the debt, we are way past that so I guess in a sick sence I miss them..... They always had the best customer service until They said I owed them something... then it was mean..... but amex FR people are the same way. I have way too much credit as it is but im addicted to this board like everyone else on here. I just dont have the will power some have, but on a brighter note im going on a physical diet tomorrow to get back in shape. maybe it wil cure this problem too

Re: discover blacklist confirmed or busted?

starry1 — Mon, 04 Mar 2013 20:53:08 GMT

If you sued them and won then you have a much greater chance of being forever blacklisted. But you can always try and see. You'll never know otherwise.

Heck, you sued them. They may have a dartboard with your picture in the employee break room.

Re: discover blacklist confirmed or busted?

jsickz32 — Mon, 04 Mar 2013 21:00:35 GMT

LOLz

Re: discover blacklist confirmed or busted?

Anonymous — Mon, 04 Mar 2013 21:05:49 GMT

I say just apply and find out! I'm sure you'll get a generous CL of you're approved

1 HP won't hurt anyone (that's if they even pull one).

Re: discover blacklist confirmed or busted?

swpopham — Tue, 05 Mar 2013 00:05:24 GMT

well I took the plunge and it says pending......

Re: discover blacklist confirmed or busted?

swpopham — Tue, 05 Mar 2013 00:07:20 GMT

Discover® Card
		Date Submitted: 3/4/2013 Your application is being processed. We have received your information but need to perform additional processing before we can provide you with a decision. You will hear from us within 30 days of your application being submitted. Please check back in the future to get an update on the status of your application.

Re: discover blacklist confirmed or busted?

LS2982 — Tue, 05 Mar 2013 00:34:01 GMT

@swpopham wrote:
Discover® Card
Date Submitted: 3/4/2013
Your application is being processed. We have received your information but need to perform additional processing before we can provide you with a decision. You will hear from us within 30 days of your application being submitted.
Please check back in the future to get an update on the status of your application.

Call 888-676-3695 and get an instant decision.

Re: discover blacklist confirmed or busted?

Anonymous — Tue, 05 Mar 2013 00:51:44 GMT

Its going to take them 30 days to get the SCUD launcher operational.

INCOMING!!!

kidding. Hope you get it.

Re: discover blacklist confirmed or busted?

Anonymous — Tue, 05 Mar 2013 00:56:52 GMT

@swpopham wrote:
Discover® Card
Date Submitted: 3/4/2013
Your application is being processed. We have received your information but need to perform additional processing before we can provide you with a decision. You will hear from us within 30 days of your application being submitted.
Please check back in the future to get an update on the status of your application.

Recon!!

Re: discover blacklist confirmed or busted?

swpopham — Tue, 05 Mar 2013 01:03:06 GMT

on hold