I have been coming to this forum for a while now and watching all of your wonderful stories! All of you have motivated me to get my credit back in shape and just go for it!
I filed Ch7 back in March 2010. Immediately after, I got approved for subprime lenders for both car and credit cards.
I didn't open a lot of accounts immediately but just maintained the three credit cards I had.
I've tried my hardest not to apply for any new accounts because I feared being rejected.
After about 1,000 (exaggeration) letters for Discover, I finally decided to go for it.
Thanks to this forum, I learned about the pre-qualify offers. They offered me any card but I chose the It Cashback since this quarter is Paypal and I do a lot of online shopping.
To my surprise, I was immediately approved (I was still waiting for the decline).
I went back to check the status of my application and it said my credit limit was $12,000!!! This is the highest limit I have ever had on any card.
Immediately, I called to cancel that shark --- First Premier. Whew! Thank goodness that is over!
But I just had to hop on and tell you all the good news. There is definitely still hope!
Congratulations!! Nice card, awesome SL! I'm so happy for you - your patience and hard work clearly paid off!
That's a pretty epic limit for Discover, congrats!
Congrats on your approval and welcome to the forums. Mind sharing your scores at time of approval with others?
Congrats on your Disco approval and sweet SL!