Discover Pre-Approval with Solid APRs

[Anonymous]

---

@Gidgetmom wrote:

What new preapproval site?  I keep getting the same old form.

---

I don't see a new site, just the old one. Link please.

[shoegal]

I tried it for my husband and he had a Pre-Approval for it and Chrome. But a really high APR (21%) so he didn’t apply. All his FICO 08 scores are 777 so weird that the APR is so high.

[Anonymous]

---

@Anonymous wrote:

---

@Gidgetmom wrote:

What new preapproval site?  I keep getting the same old form.

---

I don't see a new site, just the old one. Link please.

---

Nevermind, I found it but my EQ is frozen which is who they tried to pull. I have a split file on EQ so I froze it. Is EQ the only report they will consider?

[Anonymous]

Hey thanks for the info. I used to check their website often and got the same old "see how your card stacks up" in their lame "Find my Offer" page. Just checked after reading your post and I'm Pre approved for IT and Chrome. Don't want to apply til I get my scores up a little more though but its nice to know its there. (Horrible 24% APR) 

Fico scores: 671 EQ 681 TU 664 EX 

Started building in 01/17. 23 y/o. 

[Anonymous]

That prequal page has existed for a while it was just buried, they had two different ones.  That one, and the "compare" style one that tricked a lot of people into thinking they were preapproved when really it was an invite to apply.

Prequaled for Secured but no trigger pull for this gardener =D

[gabeerwin]

This is probably a captain obvious moment but....

Something I noticed about discover (at least for me):

PreQual site:             equifax

Monthly free fico:      experian

Cardholder monthly: transUnion

[Dalmus]

Out of curiosity, does anybody know if you apply for a second cashback card and are approved, do you still get the cashback match?  (My first card is over a year old)

It says "available only to new cardmembers," but sometimes that means "new customers" and sometimes it means "new account."

[J-F168]

Congrats! I tried and a big NO! 

Thank you for your interest in Discover.

Unfortunately, we don't have an offer for you right now.

Rest assured, your request did not impact your credit score.

You can submit a new request for pre-approval in 7 days.

Thank you for your interest in Discover®. Unfortunately, at this time we are not able to provide you an offer due to the following:
 

CREDIT FILE FROZEN
 

Please contact the credit bureau to request a temporary lift of the freeze on your credit report. Once the credit bureau has lifted the freeze, please return to Discover.com and re-submit your request in eight days.

Rest assured, your request did not impact your credit score.For helpful financial tips and information on managing your credit, visit Discover.com/resources.

You can submit another request seven days from the date of this letter.

[Anonymous]

I know, for some reason I thought they would have pulled EX which is my highest score.

The fact that they pulled EQ explains my low SL

Actually surprised I was approved!

[bott6698]

They definitely pulled my EX but not sure on if they pulled EQ too yet I have to check. But I am able to monitor my EX for free and it shows Discover pulled my EX. 
Now I have to check if they pulled EQ as well.