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Discover card

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Anonymous
Not applicable
‎05-26-2021 08:02 AM
‎05-26-2021 08:02 AM

Discover card

I had a charge off with Discover 8 to 9 years ago that I never paid. It has fallen off my credit report and my credit rating is approximately 800. What are the odds of me being approved for a new Discover card?

Message 1 of 6
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5 REPLIES 5
rostrow416
Established Contributor
‎05-26-2021 08:07 AM
‎05-26-2021 08:07 AM

Re: Discover card

Try for a pre-approval.  If you are blacklisted, they will send you a denial with something about a previous relationship or account with them.  If you get this, don't bother.  If it's anything but, you should be ok.

 

I had a paid charge-off from 2014 or 15 with them (settled for less), and I kept getting denied pre-approvals, I couldn't even get the secured card.  Earlier last year I still got denied, but it was because of inquiries.  I apped in December (no preapproval) and got approved.

AMEX Gold | Purdue FCU $20,000 | FNBO Evergreen $15,000 | TFCU Plat Visa $15,000 | PenFed Platinum Rewards $15,000 | PenFed Pathfinder $15,000 | Citizen's Bank Cash Back+ $15,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $17,000 | Discover IT $6,000 | Capital One BuyPower $950 | AMEX BCP $5,000 | AMEX Amazon Prime Business $3,000

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $15,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $7,000 | Kohl's Store Card $3,000


Spring Cleaning:
C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶ | M̶e̶r̶r̶i̶c̶k̶ ̶B̶a̶n̶k̶ ̶$̶2̶,̶7̶0̶0̶ | M̶a̶r̶v̶e̶l̶ ̶M̶a̶s̶t̶e̶r̶c̶a̶r̶d̶ ̶$̶1̶,̶̶2̶0̶0̶ | C̶o̶m̶e̶n̶i̶t̶y̶ ̶M̶a̶s̶t̶e̶r̶C̶a̶r̶d̶ ̶$̶1̶,̶1̶8̶0̶
Message 2 of 6
Shooting-For-800
Senior Contributor
‎05-26-2021 03:14 PM
‎05-26-2021 03:14 PM

Re: Discover card

I would def check prequal.

I burned them in the past and have two cards totalling $30k

GL!

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $500k unsecured credit in 2024.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
Message 3 of 6
Under_Repairs
Valued Member
‎05-28-2021 04:32 AM
‎05-28-2021 04:32 AM

Re: Discover card

Discover was IIB for me with over $16k owed and now that my BK is due to fall off (already came off Transunion with EE request) in October, I decided to try the Discover preapproval site. It didn't give me the "no offers found due to previous relationship" message, so I gave it a shot and got approved with a SL of $7,000... so it is possible. Good luck!



Current FICO 8 Scores as of 2/13/2022

Current FICO 9 Scores as of 2/13/2022




Message 4 of 6
firefox100
Valued Contributor
‎05-31-2021 03:46 AM
‎05-31-2021 03:46 AM

Re: Discover card

 

 

Around 2000 I burnt Discover for 14K and did not file Bk just let the account charge off. In June of 2016 applied for another Discover card and got approved for starting credit limit of 9K and today have credit limit of 29K. Ther is life after going bad with Discover go for it.

Message 5 of 6
SweetCreditObsession
Valued Contributor
‎05-31-2021 12:00 PM
‎05-31-2021 12:00 PM

Re: Discover card

What's the moral to the story? Take heart and take a chance on Disco because they will let you back in at some point. Best wishes!



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023




Message 6 of 6
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