CC Question

[CH-7-Mission-Accomplished]

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@Anonymous wrote:

Discover is a big whopping "maybe."

Their prequalification page on their site is worthless so that won't help you, and they are funny about approvals anyway - two people with the same profile can apply and one will get it and the other won't.  The only way to really see if you can get a Discover is to app blind and hope.  They may approve a card, counter with different terms, counter with the joint card, counter with the secured card, or deny.  Crap shoot.

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I just reconned a denial for Discover and they said no dice.  I am 18 months post BK7 discharge.  Some have gotten in with them less than one year post discharge.  I have lots of other credit now (Two $10,000 Venture cards + $3.5 K QS1, 10K Care Credit, 5K local CU, 5k Barclay's, etc.).

Discover told me I needed 24 months post BK7.

So as you said, it is always YMMV with them.  I have heard they like thin files so maybe I have too much credit already for their taste.  I think they want people to be their go to card and don't want people who are just looking for another trade line.  Just a hunch.

[Deltadog03]

Awesome, then Maybe I should try Discover first.  My EQ should be around 630 by the end of the week, is that a bit low?

[Deltadog03]

Thank you!!

[Deltadog03]

Thank you for your response

[Deltadog03]

Thank you!  Thats what bothers me, if auto deniel  *likely cuz of bk on there* will they let me plead my case.  *Like Chase will*

[Anonymous]

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@CH-7-Mission-Accomplished wrote:

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@Anonymous wrote:

Discover is a big whopping "maybe."

Their prequalification page on their site is worthless so that won't help you, and they are funny about approvals anyway - two people with the same profile can apply and one will get it and the other won't.  The only way to really see if you can get a Discover is to app blind and hope.  They may approve a card, counter with different terms, counter with the joint card, counter with the secured card, or deny.  Crap shoot.

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I just reconned a denial for Discover and they said no dice.  I am 18 months post BK7 discharge.  Some have gotten in with them less than one year post discharge.  I have lots of other credit now (Two $10,000 Venture cards + $3.5 K QS1, 10K Care Credit, 5K local CU, 5k Barclay's, etc.).

Discover told me I needed 24 months post BK7.

So as you said, it is always YMMV with them.  I have heard they like thin files so maybe I have too much credit already for their taste.  I think they want people to be their go to card and don't want people who are just looking for another trade line.  Just a hunch.

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You MIGHT have too much "new" credit for them.  You're right in thinking they want to be the go-to so they like people with perfect credit or very little credit so people that are in the middle somewhere are a flip of a coin.

There was one person on here that mentioned Discover told them no with a 5 year old BK so there is something interesting going on with their underwriting.  I know it's silly that we all say that a company "likes" or "dislikes" us when it's a computer spitting out answers but with Discover, it really does seem more personal than that.  I mean, Discover gave me a card and BofA won't even give me a secured card, so obviously Discover decided they wanted to like me.