I applied with them four months after discharge based on Credit Karma and the sole reason they gave was Public record or collection filed. I was able to get a secured card with NFCU and it's been a wonderful experience.
The were originally SelfScore, a company who focused on giving credit to international students who lacked access to traditional banking. They rebranded themselves as Deserve to focus on getting credit to millennials and Gen Zers.
I would compare them to the Ollo and Petal cards who target a specific group of people with a perk. There edu card pays for a Amazon Prime membership
Congrats on rebuiding. I am doing the same. The Discover secured card is good and you don't have to press one to talk to anyone. It's nice and has been wonderful to have.
I applied today and got a 6-10 day message. Saw the ping on my EX report and called the number. They were not able to give me a decision but said they would send the reposne email- it was a dennial.
They pulled Experian 665. I may call back on Monday to see if I am successful with a recon.