Discover denied

[Shaw83]

Hello all, I'm only writing this for data....I had a discover secured card that was revoked in August 2018, on may 25th I tried to pre-qualify for another card (I just wanted another secured card so I can reestablish a relationship). got the letter today saying I couldn't get another card because of my old account, ask if there's a time limit when I'll be welcomed back into the graces of discover and all the CSR could tell me is "it hasn't been a full year, but there's no time limit". So I'll try back in a few months and update if it takes a year or so to be eligible again.

[Anonymous]

12 months seems to track.  Even with the regular cards you can't get more than 1 of them until it's been at least 12 months since the first one.  Just wait it out and you'll be able to get back in most likely starting the journey over again with Disco.

[RehabbingANDBlabbing]

I am just curious as to why your account was revoked. I've never heard of that happening with one of the secured cards from them. Did you pay late or was it for some other credit issues you were facing? I'm not trying to shame you or anything, but this information could be helpful to others who are revuilding.

[Anonymous]

Revocation usually happens with a missed/returned payment.  There's not much else that would scare off a lender on a secured line.  Well, maybe fraud/MS would.

[Shaw83]

I missed a couple of payments

[AverageJoesCredit]

Definetly give it a year or else you will just waste a hp.

[Anonymous]

Would the one card rule apply if I am an authorized user as well? My mom has me and authorized user on her discover. I burned disco in chapter 7 which was discharged in December 17, and right now my scores are 699 eq, 672 tu, and 683 ex. I have other cards and have positive history since the discharge. But I’ve been trying the prequal site for months and I never get anything. Not even a secured card.

[Anonymous]

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@Anonymous wrote:
Would the one card rule apply if I am an authorized user as well? My mom has me and authorized user on her discover. I burned disco in chapter 7 which was discharged in December 17, and right now my scores are 699 eq, 672 tu, and 683 ex. I have other cards and have positive history since the discharge. But I’ve been trying the prequal site for months and I never get anything. Not even a secured card.

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No, wait for the pre-qual to show something.  Most lenders require X years after a BK before they'll consider letting you back in.  Some it's 1 and others it's 2/3/4/5 years.

[Anonymous]

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@Anonymous wrote:
Would the one card rule apply if I am an authorized user as well? My mom has me and authorized user on her discover. I burned disco in chapter 7 which was discharged in December 17, and right now my scores are 699 eq, 672 tu, and 683 ex. I have other cards and have positive history since the discharge. But I’ve been trying the prequal site for months and I never get anything. Not even a secured card.

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I cold app’d the secured card with super low scores. At the time I didn’t even know you could be rejected for a secured card so I just applied. I was not even a full year from discharge. I did not burn DSC. The AU may count. I would just call customer service and ask.

My DSC card has already unsecured and I haven’t even hit 2 years since discharge. My scores are similar to yours. The fact the you burned them complicates things. I pretty sure I’ve seen some data points on here from people who got back in with them. Search the approvals thread. You should be able to find enough dp’s to build a timeline. 

[Anonymous]

Calling them was going to be my next option. I’m trying to save my inquiries for financing for the engagement ring I’m buying in about a month 🤪😬😬 and then I’ll garden for a while. Trying to get either no interest or 36 month 9.99% instead of putting it on another card. I’ll wait two full years from DC to try discover again. Thanks for your replies everyone!