Approved for Discover it Cash Back Card 4 month's after chapter 13 discharge !
Was leary after 4 denials to pre-qualify for discover 4 months after chap 13 discharge. Finally I was approved for a 6k credit limit (wooohoo). I will admit that before hand I applied and was approved for the following cards.
* Ally bank Everyday Mastercard: $2.5k
* Cap 1 Savor One: $4k
* Target Red Card: $900 (just received haven't activated)
* Discover It Cash Back: $ 6k (5am pre-qual tool)
SN: I have yet to be able to get a pre-approval for a unsecured NFCU card only the secured was offered. (Have Chk and Sav)
Now I just need to sit back and keep utilization low or carry no balance and monitor.
Re: Approved for Discover it Cash Back Card 4 month's after chapter 13 discharge !
It's widely acknowledged here, and elsewhere that NFCU pre-approvals are very unreliable. That's a nice approval from Discover considering the BK. Congratulations.
Re: Approved for Discover it Cash Back Card 4 month's after chapter 13 discharge !
Congratulations, I'm going through the same. My file date was 11/30/18 and dischage wasn't finalized till 3/23/24. Since the discharge I've been able to get the following but I'll wait a few months before applying for anything else.
Capital One Quicksilver $1K
US Bank Cash+ $500
TD Bank Secured Card (going in tomorrow not sure how much I'll put down)
Ally Everyday Cashback $2.3K
During my Ch 13 I was able to get the same $900 for Target Circle Card.
Had opensky and credit one cards which I've closed just this week.
It's widely acknowledged here, and elsewhere that NFCU pre-approvals are very unreliable. That's a nice approval from Discover considering the BK. Congratulations.
Correct.
I got approved for both my Navy cards when the prequal only offered thw nsecured card.
