Discover Charge Off

[Anonymous]

How long after a paying a charge off can I apply for a Discover?

My charge off with them was a little over $6300 that I paid in full January 2016. 

The card was opened in Fall of 2012 .... Has anyone had a charge off w/ Discover & got back in with them? I was thinking about waiting a good 2 years, but my itchy app finger needs a scratch soon. 

Scores as of Today:

EX - 662

EQ - 641

TU - 639

[Anonymous]

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@Anonymous wrote:

How long after a paying a charge off can I apply for a Discover?

My charge off with them was a little over $6300 that I paid in full January 2016. 

The card was opened in Fall of 2012 .... Has anyone had a charge off w/ Discover & got back in with them? I was thinking about waiting a good 2 years, but my itchy app finger needs a scratch soon. 

Scores as of Today:

EX - 662

EQ - 641

TU - 639

---

Not really sure about the time frame, but I was able to qualify for their secured card last summer.  Was  5-6 years ago when I paid off the charge off, but I never thought about reapplying for Discover Card until I became a myfico member.  You'll never know unless you try. 

[zerofire]

Discover is not a big fan of losing money. You should expect 4-6 years and that is conservative. You will still need to have a good reason for the manual review when you call in.