Does this mean I am off Discovers ban list lol?

[Anonymous514]

So I iib Discover with the IT and Miles cards for a combined total of like 800$ back in 2019 on the BK7. I do the prequal a lot and usually get status of prior/existing Discover Card. But these last two times I have just  been getting no offer 8 day to try again message. Good sign orrr?

[OmarGB9]

I don't think so, 2019 is still VERY recent in credit terms, and when you burn Disco in BK, they definitely remember and blacklist for a LONG time.

I feel like the letter will probably cite the previous relationship. 

[FinStar]

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@Anonymous514 wrote:

So I iib Discover with the IT and Miles cards for a combined total of like 800$ back in 2019 on the BK7. I do the prequal a lot and usually get status of prior/existing Discover Card. But these last two times I have just  been getting no offer 8 day to try again message. Good sign orrr?

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I'd be curious to see what the letter states. Please post the results once you receive it.

[Anonymous514]

I'll update when I get the letter

[Anonymous514]

Prior unsatisfactory account Lol 

[FinStar]

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@Anonymous514 wrote:

Prior unsatisfactory account Lol 

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As suspected, @OmarGB9 was not wrong (post #2). But, thanks for providing the DPs which definitely reinforces what was mentioned on another, separate thread about the displayed/splash message and the actual results.

[JLRDC909]

For me, I had a charge off with them and it was exactly 7 years. Then they offered me a card on the prequalified site. 

High limit, but wanted to test the waters to see if I could get a CLI with a Chapter 7 on my report. No dice. They stated on the soft pill request that a BK was showing. 

Once that came off I was able to get a higher CL. So for me, 7 years after BK for a card, 10 years for a CLI on that card. 

[FalconSteve]

No, it does not, unfortunately. It COULD, but I've seen people get this message while they are still on the blacklist. Sorry.

[FireMedic1]

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@JLRDC909 wrote:

For me, I had a charge off with them and it was exactly 7 years. Then they offered me a card on the prequalified site. 

High limit, but wanted to test the waters to see if I could get a CLI with a Chapter 7 on my report. No dice. They stated on the soft pill request that a BK was showing. 

Once that came off I was able to get a higher CL. So for me, 7 years after BK for a card, 10 years for a CLI on that card. 

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Things have changed then. Two yrs post BK. I started with $2500 on the first card. Got many CLI's back in 2018-19 thanks to @AverageJoesCredit and his moves with Disco. Lots of spend. Got the second card and then combined the 2 for 14g's. Might be a new DP. Lots of changes with many lenders over the past 6 yrs. Least your in.

[FalconSteve]

I seen pre-qual offers despite still being blacklisted