I got back in.
I think the rule is at least 24 months.
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!5% Rotating - Discover 5%-20% - Amazon & Lowes 3-6% Groceries - NFCU & Amex Preferred
@Cisco-Nj I did a prequal and it stated "previous relationship" something along those lines. I think it's best to stick with the prequal for Discover. I heard people get back in within 12 months post discharge and some many years later.
Disco is a odd duck. Some get in quick and some it takes a long time. To pin point it is like trying to get a CLI with them. No one is the same or knows. But good luck either way.
I wonder if it has anything to do with the amount they were burned for?
I personally am not expecting to get in with them for many years as they were the 2nd highest CL card I burned. (sad lol)
@angelofmusic86 I can confirm it has NOTHING to do with how much they were IIB on. I filed, owed $0 on my Discover card, closed my account on my own, and I get the "Previous Relationship" denial reason each time I've done their prequal over the last 3 years.
Btw, I had a flawless history with Discover: Never late, never returned payment, etc.
Wow, that's crazy. At least they offer the prequal site, so I can keep checking periodically in the next few years. Thank you for sharing your experience!
It is hit and miss. They were IIB for a small amount in mine. Filed 11/2017, discharged 3/2018. Still get the "Status of Existing/Prior Relationship" wording when I look at their prequal page.