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Discover approval!! 1 year post ch7 bk

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Discover approval!! 1 year post ch7 bk

Posting for my DH, I had him check the Discover prequal a few weeks ago but he had no offers. Checked again today since his score has gone up a few points and the prequal showed him offers for the Cash Back and the Chrome. Went ahead and applied and it was automatically approved for $3k SL!!! 0% APR for 14 months on purchases and balance transfers, after that 24.79 (it's high but we don't plan on carrying balances after the intro apr is over) 5% categories and double cash back after first year. Our bk was discharged October last year.

 

They pulled his EX which is 681. 2 inquiries, 11% util.

 

It might be worth noting that he only had medical debt in the BK, he never included any credit cards. Also no installment loans. So after the bk his report wasn't showing any accounts. He does now have some credit cards after the bk, although now he has a very short AAoA, he also was just approved for the Capital One walmart card but that hasn't shown on his credit report yet. So prior to these Discover and Cap1 Walmart approvals, he had 4 accounts opened this year, now he has a total of 6.  However I let him know this needs to be the last one for quite a while, at least a year maybe more. Smiley Happy

 

**Editing to add that apparently they pulled ex AND eq. Just got the alert that EQ was also pulled by Discover.



NFCU Cash Rewards $12,500
NFCU More Rewards Amex $6,000
Merrick DYL $1,400
Discover Secured $200
NFCU CLOC $500
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Valued Contributor

Re: Discover approval!! 1 year post ch7 bk

CONGRATS  to DH on his Discover approval, Thanks for the DPs, and Welcome to the Discover family!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | Apple Card WEMC $6K | NFCU cashRewards $3K | NFCU More Rewards AMEX $25K
Macy's AMEX $1K | PenFed Power Cash Rewards VS $7,500

TCL - $166.5K+ | Rebuilding since April 2018
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Valued Contributor

Re: Discover approval!! 1 year post ch7 bk

Congratulations to your DH!



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Valued Contributor

Re: Discover approval!! 1 year post ch7 bk

Congrats to DH!!
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Valued Contributor

Re: Discover approval!! 1 year post ch7 bk

Congrats on the approval!


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Senior Contributor

Re: Discover approval!! 1 year post ch7 bk

Congratulations on your approval for DH!
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Contributor

Re: Discover approval!! 1 year post ch7 bk

Card came today and turns out that after the 0 intro apr offer, it will actually be 13.74% according to the paper... Wow!! Now I'm wondering if this is some kinda mistake?! It also says they pulled his EQ at 667.


NFCU Cash Rewards $12,500
NFCU More Rewards Amex $6,000
Merrick DYL $1,400
Discover Secured $200
NFCU CLOC $500
Message 7 of 7
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