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I was 2 months post discharge when I applied for unsecured, they denied me and i called the backdoor number. When I called they allowed me to get thier secured card with a CS of 640ish. I think it is worth a shot for the secured card, they have a good track record of converting over to unsecured. Never had Discover before.
I know this thread is old but the last person who posted helped me because I decided to apply. I have a chapter 7 bankrupty that was discharged a week ago and I just applied and got approved.
I just wanted to post so others knew Discover does approve right after Chapter 7 bankruptcy
I think that it may have to do with income, occupation and history at time of discharge.