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Shout-out to @Anonymous for pointing out that the Discover Pre-Approval page is now providing solid APRs for many people.
Here is a direct link to the pre-approval page: https://www.discovercard.com/application/prequal?execution=e1s1
Editing out URL just in case, go to their website, All Products, Credit Cards, See if you're Pre-Approved.
It says "prequal" but I think it might be a HP... it asks for full social and income/residence info, plus it says this at bottom,
By checking this box, I authorize Discover to obtain information from my personal credit report or other information from one or more credit reporting agencies to determine if I am eligible for a credit card offer. I understand that this is not credit card application and by using this service Privacy Notices terms apply.
Would love to hear from the folks who used it if it shows up as SP or HP on their reports.
@Anonymous wrote:Editing out URL just in case, go to their website, All Products, Credit Cards, See if you're Pre-Approved.
It says "prequal" but I think it might be a HP... it asks for full social and income/residence info, plus it says this at bottom,
By checking this box, I authorize Discover to obtain information from my personal credit report or other information from one or more credit reporting agencies to determine if I am eligible for a credit card offer. I understand that this is not credit card application and by using this service Privacy Notices terms apply.
Would love to hear from the folks who used it if it shows up as SP or HP on their reports.
Thank you! I found it. I'm preapproval for the first time with Discover. Unfortunately, I'm not ready to apply. Oh well...now I know where to look!
It has "Will not affect your credit score" verbiage at the very bottom.
its def a soft pull.. discovered it today, tried for bf - sorry your credit report is frozen.. OH.. oops! LOL
Definitely a SP and a solid pre approval.
@Anonymous wrote:Editing out URL just in case, go to their website, All Products, Credit Cards, See if you're Pre-Approved.
It says "prequal" but I think it might be a HP... it asks for full social and income/residence info, plus it says this at bottom,
By checking this box, I authorize Discover to obtain information from my personal credit report or other information from one or more credit reporting agencies to determine if I am eligible for a credit card offer. I understand that this is not credit card application and by using this service Privacy Notices terms apply.
Would love to hear from the folks who used it if it shows up as SP or HP on their reports.
I was worried might be a hard pull when it was asking for so much info on the pre qualify page but then scrolled down to the submit button and it said This won't impact your credit score . I am guessing I received a hard pull once submitted the final app but not from the pre qualify site based on the language
Yes it is for sure a SP for the preapproval
Got the sorry you're not pre-approved message. They will mail me a letter within 7-10 days explaining why. Must be because I burned them in BK7 a few years ago . Hopefully someday I'll be able to get back in.
I tried it too. SP with pre-approval for IT and Chrome. Don't need it but good to know.