Approval Odds for Secured DiscoverIT?

[ddemari]

I really want the DiscoverIT card but my fico is too low around 655, has anyone been countered with the secured card with a score like that?

My current utilization is 2%, AAOA is 5 years, History 12 years, I have a bk that will fall off in November of this year and a collection from 2008. 

I also have 7 inquires on Equifax and 8 on TransUnion. In Illinois, it will either be a EQ or TU pull... I know too many inquires  

[Anonymous]

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@ddemari wrote:

I really want the DiscoverIT card but my fico is too low around 655, has anyone been countered with the secured card with a score like that?

My current utilization is 2%, AAOA is 5 years, History 12 years, I have a bk that will fall off in November of this year and a collection from 2008. 

I also have 7 inquires on Equifax and 8 on TransUnion. In Illinois, it will either be a EQ or TU pull... I know too many inquires  

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u might get a discover unsecured just apply and see u dont have many inquires

[ddemari]

I am very tempted. I applied back in May and was declined. The reasons being Bankruptcy/ collection charge off. 

Since then, I was able to get my secured bank of america cash rewards card unsecured with a 3x credit limit increase to 3k. 

That may look attractive if I did a recon through manual review and my FICO Bankcard TU Score is 670 in the good range but myfico TU score 655 in the not good range. I am itching for the Discover card but dont want to lose the points of a hardpull and decline... I wish had some patience! Thanks for your reply. 

[Anonymous]

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@ddemari wrote:

I am very tempted. I applied back in May and was declined. The reasons being Bankruptcy/ collection charge off. 

Since then, I was able to get my secured bank of america cash rewards card unsecured with a 3x credit limit increase to 3k. 

That may look attractive if I did a recon through manual review and my FICO Bankcard TU Score is 670 in the good range but myfico TU score 655 in the not good range. I am itching for the Discover card but dont want to lose the points of a hardpull and decline... I wish had some patience! Thanks for your reply. 

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just try it i called discover and they are very nice they will offer u the secured if not

[ddemari]

Did you apply online and get the 7-10 day message and call them for a recon? If you do not mind me asking, what was your FICO score? 

[coldnmn]

If it was me I would wait until November after bankruptcy falls off and try for the unsecured. Good Luck whatever you decide!

[Anonymous]

I got the discover student and yes they said 7-10 days verifed my scores are 630-670 no negatives they are low because of high balances 69% ult!!

[jim44]

Did you burn Discover in your BK?  I had three Discovers.. two from DFS prior to my BK.  All had perfect payment history, one had a zero balance, however I burned them on one card. Maybe you should wait until November when the BK falls off and try again.  Even with the CO, you still may be approved for a unsecured.

[Kenny]

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@Anonymous wrote:

I got the discover student and yes they said 7-10 days verifed my scores are 630-670 no negatives they are low because of high balances 69% ult!!

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Utilization you can control.. the baddies are already done. Get that utilization down and you might get approved when that happens. (For unsecured.)

[ddemari]

I never burned Discover in the BK. My revoling utilization is 2% on EQ and 1% on TU and EX.