Discover Card Blacklist

[Blazesian]

Do you have any clue on how long Discover blacklists? I have a few more cards that I LOVED and held on until my fingers were pried from them. I'd love to work on getting them back if possible. 

Blazesian, I've moved your post to a new thread for more visibility.  --UncleB, myFICO Moderator

[UncleB]

@Blazesian, I'm not sure about the time period, but I do know from personal experience that Discover does "forgive".

I burned them in a BK7 years ago (2000) and a couple of years ago I got approved for another card with them for $5500, which is now at $21k.  I might could have tried sooner than I did... I had some other setbacks between my BK7 and the present that caused me to have to wait longer than I otherwise would have.

I'm sure some others on here will be along shortly to give their input. 

[Anonymous]

What does their pseudo-prequal page offer you?

[babyboo123]

Sbjones4657 I filed a 7 and was approved for discover 5k within two years.

[Blazesian]

Honestly, I have not checked. I don't intend to try for at least three years. I am just wondering if it will even be a possibility at that time. 

[Blazesian]

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@babyboo123 wrote:
Sbjones4657 I filed a 7 and was approved for discover 5k within two years.

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 I'm glad to hear that. Thanks!

[Blazesian]

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@UncleB wrote:

@Blazesian, I'm not sure about the time period, but I do know from personal experience that Discover does "forgive".

I burned them in a BK7 years ago (2000) and a couple of years ago I got approved for another card with them for $5500, which is now at $21k.  I might could have tried sooner than I did... I had some other setbacks between my BK7 and the present that caused me to have to wait longer than I otherwise would have.

I'm sure some others on here will be along shortly to give their input. 

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 Thank you for that!

[Anonymous]

If you're contemplating BK right now, you probably shouldn't get any new accounts period.  Focus on what you owe and what you want to try to salvage post-BK.  If you burned Discover once already and get back in and burn them a second time, don't expect them to lend to you again!

[Anonymous]

In my case they got in my BK and they denied me three times from 2001 to 2010. Finally regained a credit record that allowed me to obtain a card. There increasing my CL was cautiously slow.

[sjt]

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@Blazesian wrote:

Do you have any clue on how long Discover blacklists? I have a few more cards that I LOVED and held on until my fingers were pried from them. I'd love to work on getting them back if possible. 

Blazesian, I've moved your post to a new thread for more visibility.  --UncleB, myFICO Moderator

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I believe it depends on several factors, including the amount of any loss.

What is your current credit profile?