@DaveInAZ wrote:
@Anonymous wrote:
Yes they pulled EX and all three of my reports show the BK.
@wanttobeinthe700club, funny thing is that i was approved for discover 18 months post discharge for $6k SL now at $8.5K. was denied once before being approved and only reason stated was Bk on file. I guess i will wait for another year to try again for blispay i really wanted that 6 mos no interest on $199 or more. Never know when it can come in handy.
Discover is so all over the place in approvals with a BK showing that I don't think anyone can figure out their system. I app'd just over 4 years discharge after their very unreliable pre-qual indicated approval. Instant denial, letter cited BK and "serious delinquencies" that were actually just the IIB accounts marked as derogatory for being IIB. Then a few months later they started mailing weekly pre-approval. letters. On the third one I decided maybe they were serious & app'd - not only instant approval w/$4k SL, they didn't even HP me.
Don't be discourage by the Blispay denial, I doubt if BK was the only reason, they seem to focus more on new accounts/inquiries and any high balances. I app'd for Blispay in early June. First I was rejected for identity, I flunked their test that asked what my phone # in Las Vegas was, I moved from there 12 years ago, I have trouble remembering my current phone #. So I called & agreed to fax copies of drivers license & Soc.Sec. card. Then I got the rejection letter, you would have thought I was a deadbeat that lived from payday loan to payday loan - BK! (Yeah, over 7 years ago, EX Ficdo is now 689) Serious delinquency! (That would be the 1 remaining IIB account, my non-reaffirmed mortgage, on which 7 1/2 years later I still have never been late). Too man inquires! (OK, 10 on EQ, a bit high)
I just wanted Blispay for the 2% rewards. Do you have a PayPal account? If so you might log in and see if you get the invite for the new Synchrony 2% Cashback card. I'm pretty sure is also has 6 mos no interest on $199+. I haven't got my card yet, but I app'd Monday & got instant approval. They pull TU, my best score - 720 Fico & 6 inquiries.
Dave, was the discover mailer a pre-approval or a pre-qualified offer? How much time had elapsed at your approval from the time your BK discharged? I included Discover for $400 (which I mentioned in passing in another post tht I believe you responded to). I had tried previously for the unsecured and secured and was denied but had never received an invite to apply, just prequal on the website. Last year, I starting receiving weekly mailers, apped, and was denied (despite the agent almost guaranteeing me that the code I provided meant I would get an approval). Since then, I have been receiving mail invites on a weekly basis and even received the coveted ivory invite printed on high grade paper stock with a fixed APR. I didnt bite because of my past denials and the fact that they don't drop of my CRs until next year in March and November, but again am feeling tempted to apply, just out of sheer curiosity. I've got too many inquiries though, 6 on EQ, 9 on TU, and 7 on EX, 20 of these will be dropping by November. Should I wait to bite again until my inquiries drop?
