Discover card

[gNaRKiLL]

I dont understand why people want discover. Its not taken very many places and they are very exclusive it seems. To me it seems like people try so hard to get a card they cant use anywhere just to say they've got a discover card.

[Anonymous]

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gNaRKiLL wrote:

I dont understand why people want discover. Its not taken very many places and they are very exclusive it seems. To me it seems like people try so hard to get a card they cant use anywhere just to say they've got a discover card.

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Yep thats exactly why I got it!!!!  That and te 3.9 BT fee.  Oh plus the fact that post BK, it is a litmus test that I am happy to have finally passed.  Same thing for Amex.

[phumanr]

Brammy,

I did not realize that Discover will approve post BK....I thought Discover and Amex were both "no go"s after a BK. I have the most credit that I will ever use....

But I want the status of Discover and Amex just to say I have them. Is that sad or what?

I am an cc addict!

Patrick

[Anonymous]

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phumanr wrote:

Brammy,

I did not realize that Discover will approve post BK....I thought Discover and Amex were both "no go"s after a BK. I have the most credit that I will ever use....

But I want the status of Discover and Amex just to say I have them. Is that sad or what?

I am an cc addict!

Patrick

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Has to be 7 years old, I applied almost 7 years to the day.

[Anonymous]

The strangest thing happened. I was denied instantly on line by Discover about a week ago.  Well, tonight I received an email from Discover that says:

Dear :

Thank you for your recent Discover(R) Card application. We are
currently reviewing your request and need some additional information
to continue processing. Please call us toll free at 866-421-0122,
Mon-Fri 8am-Midnight ET, Sat-Sun 9am-9pm so we can get this necessary
information from you.

We appreciate your interest in Discover Card and look forward
to hearing from you. If you have already been in contact with our
office, please disregard this email.

Your reference number is

Sincerely,

New Accounts Department
DFS Services LLC

Guys, WHAT does this mean?  Do you think they're reconsidering?  Do I have a chance with my scores???  The Discover card that I IIB back in '02 has since fallen off of my report, but I am currently in a Chapter 13.  How could this be?!  Feedback, please!!!!!!

I currently have the following cards with perfect payments:

New Millenum CL 300 secured 3/07

Orchard CL 800 unsecured 3/07

Orchard CL 500 unsecured waiting to receive in the mail

Salute CL 700 unsecured 3/07

Crown Jewelers CL 1,500 haven't used yet

Credit One CL 350 waiting to receive in the mail

Hooter's CL 600 received today

TU 612

EX 602

EQ 595

[Anonymous]

30ross30 I would call and see what's up.  Sounds like you may get approved.  I love my discover card and I don't care that some places don't accept it.  I have also found that most of my favorite store do accept it so the card gets plenty of mileage.

[Anonymous]

Thanks so much for the encouragement!  I enjoyed my Discover when I had one several years ago, too.    I'm thinking that they probably will offer me the HSBC Discover, but we'll see and I'll post tomorrow and let you know.  Thanks!!!!

[Anonymous]

Brammy, I have a Discover More card and was just approved in April 08 with a discharged chapter 7 BK from March of 2007. They will approve much sooner than 7 years post BK.

[Anonymous]

brammy--

what did you say when you called for a recon? and if everyone is saying you will be denied if you get that 30 day msg, then why don't they just go ahead and say you were not approved???? doesnt make a whole lot of sense

[Anonymous]

I got my Discover i april 06 applied on line with pre-approved offer and was denied.  About a week later a rep called and said they were reviewing app and needed more info.  I was just separated and lots of my info had changed recently.  Took about 10 minutes to explain the situation to the lady and was approved for 2k.

I have had a great relationship with them and have gotten 3 CLI 2.5k, 3k 3.6k without asking.  They also call occasionally and ask why I don't use the card more.  APR 10.9%  MY CU platinum Visa is only 7.9% so they offer me great BT rates (well, not 0%, but 2.9 ).

Also started with Basic card and got upgraded to Platinum without asking as well.  They have great customer service whenever I've called and all call centers seem to be in US .

Worth a shot, to call them and see if they will manually review your app.