r/discover•
reyes1661

Discover suspended account 🥲

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I have a Discover it credit card , I fell back in payments back in 2024. I have a total of 6 late payments, and it almost went to collections. I went on a hardship program and they suspended my account I was over my limit by $600 so the card was maxed out with a $1200 balance with only a $500 credit limit I since then got my finances under the control. The reason I fell back in payment is because my father passed away and I was going through a hard time. It’s been two months since I’ve already paid back my balance, but I haven’t heard from them since I keep calling him and they keep saying that this system will automatically check every single month and will unrestrict my spending privileges, my utilization is 2% I have no collections, I only have one charge off from navy federal which was settled and paid to zero since then I have had no late payments, should I just close out the card and try to reopen it or just wait it out? My credit score in 2024 was a 490 and curling. I’m sitting at a 660 across all credit bureaus.

Posted Dec 8, 2025, 3:44 AM UTC

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