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New Contributor
Posts: 55
Registered: ‎03-27-2017

Approved for Discover via new Pre-Approval site!

[ Edited ]

I have been checking the Discover Card website on a regular basis for months to see if I could land a pre-qualify message with a firm APR listed.  Always ran into a wide spread on the APR so was ready to give up for a long while.  Happened to visit the Discover site today and noticed a new pre-approval layout that required a lot more info to be entered, it almost felt like a full credit app this time around. I hit Submit and it returned a Congrats you have been pre-qualified message! The standard card and chrome card were listed and both with a single APR.

I submitted my remaining info in the application and it came back with a nice $6000 limit!  This is my highest limit on a card after my bankruptcy discharge in March and couldn’t be happier!

 

Edit to add score info: Most recent Credit Scorecard @ 657  and 7 months post Chapt 7 Discharge

 

Edited to add view of new Pre-Approval Form. I located form by:

1) Hovering over CreditCards- Find the right Credit Card Drop Down on Discover homepage

2) Select See if you're Pre-approved and the below form should load

 

 

discover-preq.JPG

 


Chapt7 Discharge 3/17
Regular Contributor
Posts: 139
Registered: ‎06-28-2016

Re: Approved for Discover via new Pre-Approval site!

[ Edited ]

Congrats on the approval. I just tried it myself and was preapproved for the iT, chrome and miles card. Also with a set apr. it seems like finally discover fixed its broken pre approval checker. Thats a great card to get only 7 months after discharge and great limit. Enjoy the disco fever 🤒

Discover IT $8.5k, Costco Visa $5.5k, BofA 99/$500, C1 QS VS $11k, VentureOne $11.75k Golden1 CU $2k, Barclay's Rwds $2.8k, Barclays Cash Fwd $2.8k, NFL Extra Points $1750, Walmart $6k, Old Navy $4k, Target MC $4k, Sears MC $3K, Overstock $3.9k, Pink $3,050, Kohl's $3000

Current Fico8; TU 717 EX 706 EQ 697
BK7 DC 12/14
Established Contributor
Posts: 970
Registered: ‎09-28-2016

Re: Approved for Discover via new Pre-Approval site!

Congrats!! That's great! Glad to hear Discover prequal site got an overhaul. Discover is an excellent company with great customer service most of the time, Discover Deals and cashback. Enjoy your new card and limit!



Hover mouse over cards for Credit Limit and APR info.
Senior Contributor
Posts: 9,380
Registered: ‎04-23-2016

Re: Approved for Discover via new Pre-Approval site!

Super congrats. WELL EARNEDSmiley Happy

i think all of us Low level Discolites should just cancel our cards and reappSmiley Wink, Sl's have been amazing this yearSmiley Happy
Established Contributor
Posts: 511
Registered: ‎06-26-2007

Re: Approved for Discover via new Pre-Approval site!

Congrats! Thats amazing with a BK in the same year wow!  I am now in year 6 of BK and my Discover credit card score I Pulled was 652 which is same as my FICO score 08 and I was approved and even talked to the decision department because they wanted to verify my social but was only given a SL of $1,200.00. 

10/11/2017 EQ 640 TU 639 EX 652 12/10/2016 EQ 621 TU 607 EX 626 10/10/16 EQ566 TU591 EX 587
01/31/2008 EX 502 EQ 466 TU 481
3/14/2008 EX 578 EQ 539 TU 543
4/16/2008 EX 622 EQ 532 TU 578
5/19/2008 EX 604 EQ 591 TU 592
1/1/2009 EQ 625 EX 576 TU 569
02/13/2009 EQ 648 EX 617 TU 590
09/28/2009 EQ 568 TU 591
Thanks to all Fico supporters for your encouragement and advice
Regular Contributor
Posts: 232
Registered: ‎11-11-2016
0 Kudos

Re: Approved for Discover via new Pre-Approval site!

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

Regular Contributor
Posts: 120
Registered: ‎08-20-2017

Re: Approved for Discover via new Pre-Approval site!

[ Edited ]

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.

Regular Contributor
Posts: 232
Registered: ‎11-11-2016

Re: Approved for Discover via new Pre-Approval site!


capabk 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!

Regular Contributor
Posts: 195
Registered: ‎04-24-2015

Re: Approved for Discover via new Pre-Approval site!

It has "Will not affect your credit score" verbiage at the very bottom.

Regular Contributor
Posts: 230
Registered: ‎08-31-2017
0 Kudos

Re: Approved for Discover via new Pre-Approval site!

its def a soft pull.. discovered it today, tried for bf - sorry your credit report is frozen.. OH.. oops! LOL

|Cap1QS 3750 | Gamestop 950 | Discover 7000 | Amazon Store Card 900 | HSBC MC 1500 | Care Credit 1500 | HSBC Rewards 750 | Victoria's Secret $250(SCT)| Express $350(SCT) | AEO $150|| Ch 7 BK 12/2013 | Fico 8 EXP 665| TU 681 | Eq 701 |gardening until 6/2018

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