topic Re: Getting back with Discover after burning them? in Rebuilding Your Credit

Getting back with Discover after burning them?

simicalif — Sat, 12 Jul 2025 20:57:26 GMT

I'm in the middle of my Chapter 7 Bankruptcy, and I'm burning Discover for $1,200. Obviously I'm not getting back in with them without paying this debt off, but now with Capital One buying them out, I'm wondering, will be able to qualify for a SAVER card for my rebuild, or will they not give me anything until I pay back the Discover debt? I have decided to do just that, and after I pay off my tax debt at the end of next year, I'm going to start giving them some coin towards paying that $1,200 off, for the purposes of getting back in.

Does anyone have an idea how long after I pay them off they would consider me? I reaffirmed my truck so I'll have the payment history from that, and I got pre-approved for a Mission Lane with no annual fee with e $3k limit, so I'm planning on starting there once the discharge comes down a month from now, or with Capital One, but again, since they just bought out Discover, I now have burned them too, so thinking I won't be getting approved for a card from them for a rebuild unfortunately. 🤦🏼‍♂️ Anyways... thanks for reading, folks.

Re: Getting back with Discover after burning them?

FicoMike0 — Sun, 13 Jul 2025 00:26:45 GMT

Once you've gone through all the blood, sweat and tears to discharge the debt, I can't see paying them, just to get back with disco or capone. There are many other banks out there.

Even if you pay them, you'll have the bk7 on your report, but Capone seems to be fairly bk friendly.

Ps, I have a savior card and like it, but I wouldn't pay anything for it. Amazon just paid me $250 worth of stuff to take the chase prime card. I like it better when they pay me!

Re: Getting back with Discover after burning them?

isaemm76 — Mon, 14 Jul 2025 02:24:31 GMT

Well, I burned Cap 1 in my Chp 7 last year. I filed in April 24 and was discharged Aug 24. After discharge I tried the pre-approval every 1st of the month since and get the same denial reason.

So either Cap 1 has tightened there pre-approval belt or I'm on some kind of internal black list.

Might be tougher getting back in with Discover also with the Cap 1 buyout. But then again it could just be me that they don't like 😁.

I actually don't need them, now it's just a curiosity to see if I'll ever get the thumbs up from their pre-approval. I'll try again Aug 1st and see what happens.

Re: Getting back with Discover after burning them?

ChameleonBob — Sat, 19 Jul 2025 03:37:59 GMT

I get the same message.

Re: Getting back with Discover after burning them?

ChameleonBob — Sat, 19 Jul 2025 03:43:25 GMT

I burned Cap1 for 6k and they won't let me start a new relationship with them. After acquiring Discover I started getting emails saying they want to give me another chance and to check out the pre-qualification link they give me. I've had no luck and stopped after the 3rd time. I don't need them anyways and I think it's just a joke at this point.

Re: Getting back with Discover after burning them?

creditgnome — Sat, 19 Jul 2025 16:28:17 GMT

im back in and i didn't even pay my miles card! no BK!

Re: Getting back with Discover after burning them?

MrsCHX — Sat, 09 Aug 2025 01:54:34 GMT

I don't know that Discover and Capital One are fully merged in that way yet. Maybe...but probably not. Anyway, go with credit unions!!

I was discharged from Ch7 in spring 2019 and burned capital one for about $2600 (Discover for almost $10k). Discover consistently said, NO!

I lived credit card free for awhile and got a no AF Platinum card with a $500 CL in November 2020. It's now a Quicksilver with a $2550 CL and I got a Savor this year with a $6,000 CL

I burned CapOne, Discover, Amex, Barclays, Citi, Synchrony (several cards), Target, among others. I'm now back with CapOne, Synch (just Amazon) and Target. My other cards are from other issuers.

Re: Getting back with Discover after burning them?

coreysw12 — Mon, 11 Aug 2025 16:32:22 GMT

I burned Discover back in 2016 for $5k. I settled for less than the full balance in 2018. It's 2025 now and Discover still won't go anywhere near me. In my experience they're the least forgiving bank I've ever dealt with, everyone else (including even Chase) has given me second chances.

Re: Getting back with Discover after burning them?

Lurker22 — Tue, 12 Aug 2025 09:10:05 GMT

@coreysw12 wrote:
I burned Discover back in 2016 for $5k. I settled for less than the full balance in 2018. It's 2025 now and Discover still won't go anywhere near me. In my experience they're the least forgiving bank I've ever dealt with, everyone else (including even Chase) has given me second chances.

DS is who file suit and pushed me over the edge into my 13, 7.5 years after that i'm back in with 2 Disco Cards with healthy limits - they do let you in, it'll just take time (they wouldn't even give me a secure card before that 7.5 years was up)

Re: Getting back with Discover after burning them?

sjt — Sun, 31 Aug 2025 22:15:54 GMT

FYI- Capital One makes you wait one year after the charge-off date of your Capital One Card before you can apply. It's stated in their disclosure statement.

Re: Getting back with Discover after burning them?

coreysw12 — Mon, 29 Sep 2025 18:29:21 GMT

I just checked and they finally prequalified me for a secured card So I guess that's an improvement...

I passed on their secured card offer though lol

Re: Getting back with Discover after burning them?

bbeaver2013 — Thu, 09 Oct 2025 16:46:19 GMT

how long did you have to wait to get back in discover? I filed chapter 7 bk in january 2020 and my discover card was included.

Re: Getting back with Discover after burning them?

isaemm76 — Thu, 09 Oct 2025 17:01:22 GMT

Just tried the capone pre-approval and same rejection, stating past experience with my former card.

BK 7 discharged Aug 24.

They hate me 😂

It was only $3,500. 🤷🏽‍♂️

Re: Getting back with Discover after burning them?

sjt — Fri, 10 Oct 2025 19:53:19 GMT

@isaemm76 wrote:
Just tried the capone pre-approval and same rejection, stating past experience with my former card.
BK 7 discharged Aug 24.
They hate me 😂
It was only $3,500. 🤷🏽‍♂️

When was your BK7 filing date?

Re: Getting back with Discover after burning them?

isaemm76 — Fri, 10 Oct 2025 19:57:49 GMT

Filed April 24, discharged Aug 24

Re: Getting back with Discover after burning them?

sjt — Fri, 10 Oct 2025 20:43:24 GMT

@isaemm76 wrote:
Filed April 24, discharged Aug 24

That's odd, C1 has a 1-year waiting period, so you should have qualified.

Re: Getting back with Discover after burning them?

isaemm76 — Fri, 10 Oct 2025 21:01:08 GMT

Yep🤷🏽‍♂️. Credit report is clean other than the BK 7 on it obviously. But their reason for denial is my past account with them every time.

Re: Getting back with Discover after burning them?

JamesS84 — Wed, 12 Nov 2025 23:28:07 GMT

If you don’t have any issues with Capital One, that could work in your favor, with the merger.

Re: Getting back with Discover after burning them?

thepanttherlady — Tue, 25 Nov 2025 04:11:23 GMT

Filed Chapter 7 3/5/25, discharged 6/2/25.

Did not burn Discover in the BK but owed them $7k+ which was past the statute of limitations. I was just approved for the secure card September or October. I accepted it.