Has anyone had any luck getting a Discover or Cap One after a settlement or charge off?

[Maryn]

Hello.  Was hoping some of you might now which cards are more tolerant of previous settlements...My scores aren't fab- 638,632,632.  No collections, but all of the settlements have been made in the last two years.

Thanks!

[cadavis0609]

I personally have been holding off on reapplying for another cap1 after my chargeoff/settlement with them but I have read many accounts of them being forgiving and giving second chances on here. As for discover, I keep reading the exact opposite.

[Maryn]

Thanks.  Have you found any you might consider trying?

[laz98]

i just got a new capital one card.  granted, it has been about 8-9 years since the first one got charged off, but nonetheless, i wasn't blacklisted. 

[Anonymous]

I've gotten both -- Discover (orig 1.1k now 3.5k) and a Cap1 (orig 3k now 4.25k) -- after a settlement.  (CLI's came w/in 7 months.)

Add to that list a Chase Amazon Visa at 4k.

Many years inbetween the settlements and the new apps.

[Miner]

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@Anonymous wrote:

Many years inbetween the settlements and the new apps.

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For discover, how many years in between?  Long enough that all lates had fallen off?  Long enough that the account had fallen off your reports? 

Message Edited by Miner on 10-26-2008 08:42 PM

[Anonymous]

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Miner wrote:

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@Anonymous wrote:

Many years inbetween the settlements and the new apps.

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For discover, how many years in between?  Long enough that all lates had fallen off?  Long enough that the account had fallen off your reports? 

Message Edited by Miner on 10-26-2008 08:42 PM

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Yes and yes.  It will take some digging to find out how many years, but I'm guessing around 8 on the Discover.

The Chase was more recent.