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luvandlife
Posts: 127
Registered: ‎05-29-2011
0

Discover Card "Invitation"???

I received an "Invitation to Apply" for a Discover Card in the mail today. I have been gardening and working on improving my credit scores for a while now.

I would love a Discover Card, but I'm curious... Is An Invitation to Apply the same as a Pre-Approved offer? 

 

Does anyone have any information on Discover Card Invitations? Any success stories with them? Anything? :smileyvery-happy:

 


Starting Score:575 TU, 577 EQ, 610 EX
Current Score:740 TU, 739 EQ, 750 EX
Goal Score:700+

~Anything Worth While, Takes Time~
I'm done taking shortcuts. I choose the long route. I'll still get there~
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Valued Contributor
Crashem
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Discover Card "Invitation"???

If it doesn't say per approved doesn't really mean anything. Best way is to check if discover soft pulled you. If they did, then it might mean something even if it doesn't say preapproved.
               LIMITS IN CARD DESCRIPTIONS
Frequent Contributor
BigDaddy18
Posts: 673
Registered: ‎04-23-2009
0

Re: Discover Card "Invitation"???

They are more than likely just fishing and hoping you bite!!


Starting Score: EQ FICO 777
Current Score: EQ FICO 803
Goal Score: EQ FICO 810


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Contributor
luvandlife
Posts: 127
Registered: ‎05-29-2011
0

Re: Discover Card "Invitation"???

Thanks guys, I think I'll stay in the garden!


Starting Score:575 TU, 577 EQ, 610 EX
Current Score:740 TU, 739 EQ, 750 EX
Goal Score:700+

~Anything Worth While, Takes Time~
I'm done taking shortcuts. I choose the long route. I'll still get there~
Take the FICO Fitness Challenge
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Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011
0

Re: Discover Card "Invitation"???

https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/findMyOffer If you have an offer here, you probably stand a good chance.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Contributor
luvandlife
Posts: 127
Registered: ‎05-29-2011
0

Re: Discover Card "Invitation"???

Unable to find any offers...

Well that saved me an unnecessary inquiry. Thank you!!! :heart:


Starting Score:575 TU, 577 EQ, 610 EX
Current Score:740 TU, 739 EQ, 750 EX
Goal Score:700+

~Anything Worth While, Takes Time~
I'm done taking shortcuts. I choose the long route. I'll still get there~
Take the FICO Fitness Challenge
Contributor
DVH1980
Posts: 255
Registered: ‎08-24-2011
0

Re: Discover Card "Invitation"???

Not to ruin your gardenign efforts but I received the same offer, twice, and finally pulled the trigger. Went to the site and they did not have any offers for me. Pulled the trigger anyways and was approved. On that note, I received the same offer from Amex 3 times and was "pre approved" on their site, pulled the trigger and denied.

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Discover Card "Invitation"???


luvandlife wrote:

I received an "Invitation to Apply" for a Discover Card in the mail today. I have been gardening and working on improving my credit scores for a while now.

I would love a Discover Card, but I'm curious... Is An Invitation to Apply the same as a Pre-Approved offer? 

 

Does anyone have any information on Discover Card Invitations? Any success stories with them? Anything? :smileyvery-happy:

 


YMMV but you may meet certain criteria for their card when they bought info from the bureaus so thats why the invite was sent. I wouldn't put a whole lot of stock into it.

 

Basic info. I would make sure your overall util. is low (below 15%) and no recent derogs. FICO in the 660+ range, they like to pull EQ/TU.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
BCF
Posts: 120
Registered: ‎05-27-2012
0

Re: Discover Card "Invitation"???

If they soft pull, why they ask "What is your credit standing?" Can't they just find the answer in the report they pull?

Wallet: AMEX Blue Cash Preferred 5k; BofA Visa CashRewards 5k; BofA 1-2-3 MasterCard 4.4k; Citi TY Premier 2.5k; AMEX HHonors 3.5k, Chase Marriott 5k, Barclays US Airways 2.5k, Kohl's 300
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Discover Card "Invitation"???


BCF wrote:

If they soft pull, why they ask "What is your credit standing?" Can't they just find the answer in the report they pull?


I think they want to see what you think your credit standing is :smileyvery-happy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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