In March when I found this board I realized how nuts I've been and I've begun to pay it down. As of this month, I had it down to around $800. I think it was MiamiBlues on the board here that posted his Discover saga that led me to email him offline. He told me his whole story and gave me the name and address of someone at Discover who helped him out. I wrote to his contact last month. I wrote him a three page letter explaining what happened with the account and asking if he could assist. I told him my goal was to pay off the account in a manner that might allow them to reopen it for me, even if with a tiny credit limit so I could rebuild an account relationship. I still haven't heard anything back from Discover, but I just called them a few minutes ago to see if my statement had closed for the month. To my surprise there are three $20 credits and two $15 credits on my account dated June 6th. These bring my balance to just over $700. The system still says my available credit is zero dollars, so the account must still be closed. Now I'm really anxious to see how Miami's contact responds to me by mail. I'm sure these credits have to be his doing, and I wonder if that's all he's going to do (which is still fantastic) or if they are going to make me an offer to reopen. I can pay the $700 at any time but I am planning to do it over the rest of the year to establish some positive payment history.