Charge Off With Discover

[simplegirl]

How long after your discover charge off were you able to get a new card with them?

I had a charge off with them in 2017 paid in full in 2019 to them directly and everytime i try to pre-qualify they deny me saying because of prior/existing discover account.

[chiefone4u]

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@simplegirl wrote:

How long after your discover charge off were you able to get a new card with them?

I had a charge off with them in 2017 paid in full in 2019 to them directly and everytime i try to pre-qualify they deny me saying because of prior/existing discover account.

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For me, my charge-off occurred in 2011, never paid. Approved for a secured card ($500 limit) in 2018 that graduated to unsecured 7 month's later and increased to $1,000 limit.

At the 12 month mark I was approved for an unsecured Discover card with a starting limit of $3,000.

Six month's later they closed my previously secured card for non-use (60 day's had passed since last swipe, card had zero balance).

I have never qualified for a credit limit increase when I request, always denied for "previous relationship"

This year they reduced my limit on the remaining card to $2,000. I guess since I just paid it off and a few other cards, they'll either increase it or close it.

Best of luck!

[Anonymous]

Around 2000 I had a c/o of about 1,500. In 2016 I got an invitation, I applied, and was immediately approved for a s/l of 16,000. Still have the whole limit, and it's one of my lowest rate cards. I had started my rebuild in 2011, so maybe about 10 years?

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[simplegirl]

wow so they seem to have a very long memory no matter what..

[Rudy1]

I couldn't tell you as I've never had a charge off with Discover. I've had one with Chase unfortunately. I'm thinking that the fact that it's still on your reports makes it not a likely chance of approval. I would possibly try in 2024 and it's dropped off your reports. By then you will most likely be eligible for their secured card product.

[simplegirl]

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@Rudy1 wrote:

I couldn't tell you as I've never had a charge off with Discover. I've had one with Chase unfortunately. I'm thinking that the fact that it's still on your reports makes it not a likely chance of approval. I would possibly try in 2024 and it's dropped off your reports. By then you will most likely be eligible for their secured card product.

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I'm trying to get all my credit cards so by the time the charge offs fall off they will be at least a year old. Plus if i only get pre-approved for a secured version then i'll just take it as discover is not a card i should still want. But i do think you are correct about it not happening until they are removed. That sucks.