Re: Discover IT BK friendly?

team_audi · ‎03-16-2015

I didn't burn Discover, never had them. I see this add pop on on various card websites. I am 1 year out of a chapter 7. EQ 641 TU 656 EX 674. How long should I wait to apply? I have heard at least 5 years? Anyone had any luck getting approved after BK?

Starting Score: 571
Current Score: 641
Goal Score: 700

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FinStar · ‎03-16-2015

@team_audi wrote:
I didn't burn Discover, never had them. I see this add pop on on various card websites. I am 1 year out of a chapter 7. EQ 641 TU 656 EX 674. How long should I wait to apply? I have heard at least 5 years? Anyone had any luck getting approved after BK?

IIRC, some individuals may get approved in a much shorter timeframe than 5 years but would depend if their credit profile and income supports it. If you are a year out, chances are best to hold off for a while.

Deltadog03 · ‎03-16-2015

They are BK Friendly. I just got approved 2 weeks ago for the IT card. It was with revised terms, and $800 CL, but hey I am in..and VERY grateful. I have re-built very heavily since my BK7 back in FEB 2013. They liked that and my CCD Util is 12% I tried at 1year, and instant no...2 years, instant yes

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

ojefferyo · ‎03-16-2015

With time they will let you in, they are not as "mean" and other CCC

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa

Anonymous · ‎06-16-2015

How long would you suggest to wait after BK7?

TRC_WA · ‎06-16-2015

They are somewhat friendly if you didn't burn them. If you did plan on waiting a while... I've yet to see a quick approval from someone who included them in a BK.

I applied in 2013... 4 years after filing BK13 and was denied.

I was approved in 2014... 5 years after filing.

I didn't burn them.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

Anonymous · ‎06-16-2015

Thanks for the info!

bk510 · ‎06-17-2015

@team_audi wrote:
I didn't burn Discover, never had them. I see this add pop on on various card websites. I am 1 year out of a chapter 7. EQ 641 TU 656 EX 674. How long should I wait to apply? I have heard at least 5 years? Anyone had any luck getting approved after BK?

I was approved for 1600 on 4/2014.....BK 7 discharged 6/2012.

I didnt have to call recon......but I also did not get any kind of promo.

Since I had the card, I have been getting auto increase of 200 every 6 months.

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photo penfed reward cash_zpsyckxjc7y.png

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Burned AECitiChase

Anonymous · ‎06-17-2015

I am 1 year and 1 month post BK7 and was approved last week for $4,500. So, i think it depends on your profile after BK..

Anonymous514 · ‎06-17-2015

Try and get your Eq and TU up to atleast 690 then go for it! Better safe than sorry when I first got the discover it it took me 3 tries to finally be approved and when they did they started me at a mediocre 750$ limit. They may start you low at first but they'll come to pass all of your other cards eventually. My Grandmother has had her Discover Account since March of 1986 and her limit is in the 5 digits. Her limit is insane she has the Discover More card at the moment until they call and offer her the It upgrade I am sure.