discover blacklist

[whodatnation2]

Does anyone know if discover blacklists people who have old CO's

[pizzadude]

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@whodatnation2 wrote:

Does anyone know if discover blacklists people who have old CO's

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Is the Charge~off paid or unpaid ?   I think they won't blacklist if it is paid .....but it might also depend on how recent it is.

[CS800]

Like many situations its a YMMV.I know people who had paid charge off who got accepted with Discover (5 years after CO was paid)

[LilloEsquilo]

Yes they do blacklist. I'm on their blacklist. It was a CO and it was never paid.

[llecs]

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@whodatnation2 wrote:

Does anyone know if discover blacklists people who have old CO's

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While in college, I had a Discover and let it get CO'd. I still have the letter somewhere, but they sent a letter demanding the return of the card and told me I am no longer able to do business with them ever again. This was around 1997. Within 3 years, I paid it in full. Fast forward 12 years later from the CO. They sent pre-approvals and decided to go for it and got approved. They forgot I guess.

[LilloEsquilo]

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@llecs wrote:

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@whodatnation2 wrote:

Does anyone know if discover blacklists people who have old CO's

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While in college, I had a Discover and let it get CO'd. I still have the letter somewhere, but they sent a letter demanding the return of the card and told me I am no longer able to do business with them ever again. This was around 1997. Within 3 years, I paid it in full. Fast forward 12 years later from the CO. They sent pre-approvals and decided to go for it and got approved. They forgot I guess.

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It must be because you paid it. In my case I had a CO from 1992. (Yeah been a long time). Around 2000, they sent me a pre-approval letter, which suprised me at the time so I went for it, and they responded back with a letter about the CO and saying I will NEVER be able to get another account from them again. (Ok so why did you send me the 'pre-approval' then?) Soon after that I never got their "pre-approval" letters and have never applied with them since. I can't tell you if they still "remember" and I don't feel willing to burn an inquiry to find out.

[dharalex]

I just searched whogavemecredit, and there are some approvals with CO, but they all looked paid.

[LilloEsquilo]

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@dharalex wrote:
I just searched whogavemecredit, and there are some approvals with CO, but they all looked paid.

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I have heard they are like Amex in that they may let you back in, IF you pay in full first.

[Open123]

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@LilloEsquilo wrote:

...saying I will NEVER be able to get another account from them again...

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Never is such a long time...

[LilloEsquilo]

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@Open123 wrote:

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@LilloEsquilo wrote:

...saying I will NEVER be able to get another account from them again...

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Never is such a long time...

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True. That's pretty much exactly what they said though if I recall the wording in the letter. It had a tone of "we are upset with you". Understandable of course.