Do you know your scores? Your inquiries on your CRs? AAoA? Any negatives?
@johnstics wrote:Yeasterday I went to discover pre-approval site and was given a personalized offer for the it card. Do you guys think I should apply? What are my chances of approval. Before I used to try to get pre approved but returned no offers prior.
The one thing that i would do before applying is go over your credit report. Do you have any baddies of any kind and how are your scores ? I think discover pulls EQ for approvals
I don't see that you would be denied from that. My family member was approved with a $1000 CL with more negative than a late. I guess it's just do you want to wait until later to get a larger TL or just go ahead and age them together? She had 4-5 inquiries, too.
@johnstics wrote:My fico said 678 but that was the score through Barclay. I don't have many baddiies just one 60 day late from student loan 2008. I probably have 4-5 inquires because I just joined cu and applied for their card.
Just don't think its an guarantee that pre approval means you are in with discover. Just be wary thats all i really mean.
@johnstics wrote:i do have my eye on cards with cash back offers. Is discover a good card to get?
To me, it is. 