@Creditplz wrote:
Agreed ^ I put "kitchen" and social as 9999 and it came up
Fret not, as Discover's system is a bit tricky. Without a great deal of experience and knowledge it's possible to miss the modis operandi. Discover's system is one of assume approval. Unless they have a reason not to approve you, they present an offer. In your example you input ficticious information that would result in a SP failure or absence from a mass credit review sweep from the CRA's. No info means no reason not to approve, so an offer was presented.
Using real data results in one of 3 possibilities. Either there's no offer, you receive a standard offer, or you receive a better than standard offer. Lets review each of these possibilities together. If there's no offer that would indicate there was something about your profile that caused Discover to conclude they likely wouldn't approve you. You're not going to know when they reviewed you for offers so you would need to review your credit profile to determine why. You could have had a collection, missed payment, over limit reporting, or other such potentially negative information that is now gone. Or perhaps last time you looked your profile was clean and now it's not. Either way, a lack of an offer is a key sign.
If you got the standard offer there was no reason for Discover not to provide one. This could be they reviewed you and it fit with their minimum requirements for approval. It could mean they have no record of you so why not give you an offer?
If you get something better than the standard offer you're almost certainly guaranteed approval. This would indicate they've reviewed you at some point and found you to be worthy of something better than the standard offer to entice you to join. Of course if you've missed a payment or some other negative info has been added to your report since you were reviewed you could be declined.
Not all lenders position from one of assuming approval. As with all credit info YMMV.
