Hell yes!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!! It pays to Discover!!!! It also pays to close your own account before you file! Discover is known to be VERY VERY VERY bk unfriendly. I had account that I paid off and closed (in good standing, at my request) in June of 05that I called to see if I could reopen. As someone on another board said, the worst they could do is tell me no, right? Well they said yes, I updated my address and phone # and will get my replacement card next week!!!!! I am in the rebuilding my credit game now!!!!!!!! My ch7 just discharged 06/21/06. I'm a happy, happy girl today!!!