This topic has been heavily discussed so I was hesitant to apply for an IT card after burning Discover in my BK7 for about $7k. Being 23 months post discharge, I decided to bite the bullet and apply since they pull Experian and I do not have too many inquiries on Experian. I was approved for $10k!!! I was shocked! So Discover does let you back in....YMMV rings true. I defaulted on Discover over 3 years ago so maybe that hard line of waiting 3 years is true? Regardless....they do let you back in eventually. Both Cap1 and Discover have been wonderful post BK even after burning both.
I am glad your credit is getting back to normal after your BK. Congrats!
@jonnyc wrote:So approved 23 months post discharge, Have you tried to apply or pre qual any time in the past? I guess I have 15 more months to go!
I did try the pre qual site once or twice in the past it would give me a denial due to the BK. This time around the pre qual site stated that there weren't any offers at that time so I decided to apply since it was not a flat out denial.
Wow...thank you for posting. I didn't even have a balance when I filed and they blacklisted me. I would love to get a second change with them. Seeing this gives me hope.
