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Discover Card

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Discover Card

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 Smiley Sad
Message 1 of 8
7 REPLIES 7
Regular Contributor

Re: Discover Card

@KTPERRY - Try for a secured card...

 

Message 2 of 8
Super Contributor

Re: Discover Card


@KTPERRY 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 Smiley Sad

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.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$25k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 3 of 8
Super Contributor

Re: Discover Card

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





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 4 of 8
Super Contributor

Re: Discover Card


@Scupra wrote:

@KTPERRY 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 Smiley Sad

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.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 5 of 8
Super Contributor

Re: Discover Card


@FireMedic1 wrote:

@Scupra wrote:

@KTPERRY 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 Smiley Sad

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 Smiley Happy 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$25k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 6 of 8
Valued Member

Re: Discover Card

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    Smiley Tongue

 

Best of luck in your post BK future!

Chap 7 BK discharge date 10/15/18
FICO's as of 6/13/19:
Experian - 613 TransUnion - 671 Equifax - 672
FICO's as of 11/22/19
Experian - 660 TransUnion-624 (WTH?) - Equifax - 656
Credit cards: Kohls $300
Merrick card $700
Cap One Quiksilver $3K
OLLO $1.5K
Self Lender Loan
Message 7 of 8
Frequent Contributor

Re: Discover Card

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.  


You can't have your cake and eat it too. But you can dip your finger in the bowl and lick the icing!
Message 8 of 8
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