Re: Need help with Discover

seattletravels · ‎02-09-2020

What's the previous relationship and how long ago?

BECU Visa : $40,000 Date Opened: 02/2020

Delta Reserve : $20,000 Date Opened: 01/2020

Amex Blue Cash Preferred : $19,900 Date Opened : 07/2013

Chase Freedom Unlimited : $19,300 Date Opened : 02/2020

Citi Double Cash : $19,000 Date Opened : 06/2015

B of A Cash Rewards : $16,000 Date Opened : 12/2013

Barclaycard Ring : $10,000 Date Opened : 06/2017

Citi Simplicity : $9,000 Date Opened : 10/2011

Commerce Special Connections : $8,000 Date Opened 04/2015

Discover It : $7,100 Date Opened : 04/2013

Marriott Bonvoy Boundless : $5,500 Date Opened 07/2013

Delta Platinum : $2,000 Date Opened : 08/2018

Last App: BECU 02-26-2020
Pronouns: He/Him/His

Anonymous · ‎02-11-2020

@seattletravels wrote:
What's the previous relationship and how long ago?

Included in Chapter 7 back in May 2017.

Anonymous · ‎02-11-2020

@Remedios wrote:
@Anonymous if they were included in your relatively recent BK, it's going to be a while.
For some people, it might happen after 2-3 years, but most need longer than that.

Yes they were.

laurenjarrod · ‎02-12-2020

I used the prequalify option on their site which told me I was pre-approved. I then applied and I was formally approved. I felt pretty confident based on the prequalificaiton that I could take the chance, although I knew it wasn't 100% a possibility.

I've used other sites preqality option and received a message that they couldn't match me with a preqialified offer. I didn't formally apply as I don't want the hard inquiry on my report.

joltdude · ‎02-13-2020

Discovers own prequalify is very accurate (nothings a hundred percent) ... even more so if you subscribe to Discovers Credit Scorecard..... (which will give you a free fico score once a month from a bureau DIFFERENT than included in discover's own card)... They are forgiving.. and 2 years more or less is about right... All the websites and such are almost entirely marketing... no substance...

-J