So I have been wanting this card for a long time and a year ago I said I would get my scores high enough to apply in July. I just received a preapproval and im really excited it says it expires at the end of the month. Do you think since I was preapproved that I could apply later and be approved because I dont want to apply now im still trying to clean up my credit report. My highest fico is TU at 734 (very excited about this I started at 456 about a year ago) and I know they pull TU for Discover alot in TX.
Who did Discover pull for you?
Thats cool! I guess I might get lucky Im going to wait until my score is a little higher though because of everyone wanting scores above 730 now for prime cards just a little higher for me I guess.
No one really pulls TU in TX I only have one inquiry from Target and thats going to fall off soon.
TU in NY
TU for me in 2008 in OH.
EX for me in 2007 (when I got a denial) also in OH.
Wouldn't worry about missing out on the pre-approval if you wait 'til July. Where there's one Discover pre-app, others are sure to follow, I promise you! I took them up on the first offer that landed in my mailbox (as I was very excited to receive one, having been wanting the card enough to app and get declined a year previously!), and I received maybe 6 or 8 more within a few weeks, after I'd got my card.
If your original plan was to wait until July, I'd stick with it - the older your existing accounts, the fewer inqs you have on your reports, and the higher your scores, the better things are bound to go! If they want you as a customer now, they'll still want you in July... and maybe with a higher CL, etc etc.