Discover Pre-Approval Example

[Anonymous]

I finally got a "personalized offer" from the Discover pre-approval link. Since the wording of the response has been an issue for me before, and I've seen others post questions, I thought I'd show the difference.

Here's a screenshot of the response when the APR is a wide range:

This one says "personalized offer" and has a specific interest rate:

I didn't apply, so I can't say for sure that I'd get the card, but I like the wording on the second image a lot better.

[Anonymous]

What's your fico like?

[Anonymous]

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@Anonymous wrote:
What's your fico like?

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680s

[wanttobeinthe700club]

Thanks for the info on this. 

[Anonymous]

Thanks for this. I was wondering if anyone had ever gotten a preapproval. Now I know what to wait for. 

[Anonymous]

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@Anonymous wrote:

I finally got a "personalized offer" from the Discover pre-approval link. Since the wording of the response has been an issue for me before, and I've seen others post questions, I thought I'd show the difference.

Here's a screenshot of the response when the APR is a wide range:

This one says "personalized offer" and has a specific interest rate:

I didn't apply, so I can't say for sure that I'd get the card, but I like the wording on the second image a lot better.

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Quick Update - I decided to go ahead and apply. I was approved with a $3000 starting limit. The interest rate had changed from a single rate to a narrow range (19.9% -23.9%), but it still said "personalized offer". The previous single rate was 23.9%. I won't know what the rate actually was until I get the card.

[Anonymous]

Congrats on your approval!   It's interesting that it went from one rate to a small range when you checked back in, but I'm glad you got it!

[Anonymous]

My scores had gone up about 10 points. Must have been enough to push me into possibly qualifying for the lower rate.

[Anonymous]

I assume that's is their normal process.

For months, I used to get 18x-1.  A couple of months ago, I got 13x - 16x.  Applied for the lower apr and approved @ 13 something apr.   Oddly they pulled both EQ and EX.  My EX, their scoreboard score, was somewhere 730.

[Anonymous]

Congrats on your approval.