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Epic Contributor
Posts: 25,564
Registered: ‎10-23-2007
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Discover "Pre-Approved" Application online... This is not it right? Quick please!!

I just did the pre-approval and got 

Recommended Offer

 

That is NOT the "Pre-Approved" right?

 

I thought that said Congradulations we have "Blank" Offer for you... and in past I just got "Sorry we don't have offers for you"

 

is this the new Pre-Approved Verbage or are they switching it up to confuse me to apply but it's not really a solid offer??

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting Smiley Tongue
Established Contributor
Posts: 726
Registered: ‎05-12-2012
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Re: Discover "Pre-Approved" Application online... This is not it right? Quick please!!

Here's a whole thread about the discover pre-approval site.  Some interesting info there

 

Discover Pre-Approval


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Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
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Re: Discover "Pre-Approved" Application online... This is not it right? Quick please!!

Maybe it's real!


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Community Leader
Valued Contributor
Posts: 1,408
Registered: ‎07-12-2011
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Re: Discover "Pre-Approved" Application online... This is not it right? Quick please!!

Hey CA!!

If you have a firm offer for credit with Discover, it will distinctly say...." Congratulations!!! You are pre-approved for the following offers..."

I just checked on line because I've been getting offer after offer from them to apply.  Smiley Happy

Hope this helps!

 

 


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Epic Contributor
Posts: 25,564
Registered: ‎10-23-2007
0

Re: Discover "Pre-Approved" Application online... This is not it right? Quick please!!


improvingmycredit wrote:

Hey CA!!

If you have a firm offer for credit with Discover, it will distinctly say...." Congratulations!!! You are pre-approved for the following offers..."

I just checked on line because I've been getting offer after offer from them to apply.  Smiley Happy

Hope this helps!

 

 


to the poster to check other thread, this is exactly what I was talking about ---- "CONGRATULATIONS, based on the information you provided you ARE PRE-APPROVED for DISCOVER MORE"----

 

This message I pulled from other thread just above and then same as "Improvingmycredit posted...

 

Makes me think they are trying to trick me to apply but it's also not what it use to say when you had "No" Offers... so what's up with that!

I need to look up when I applied last... I did it with out pre-approval which I always say "Not to do!" and the credit rep I spoke with after said just to much debt and to recent of baddies... 

 

hmmm

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting Smiley Tongue
Established Contributor
Posts: 726
Registered: ‎05-12-2012
0

Re: Discover "Pre-Approved" Application online... This is not it right? Quick please!!

Yah I know it, seems to be kind of a misleading way to display the info, trying to get folks to app for their cards.  Tiny print at the top saying they couldn't find any offers for you........Then all these HUGE adds for their "recommended cards".  I'm sure in the heat of the moment plus excitement, they get alot of folks to app this way.  Smiley Frustrated


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Member
Posts: 23
Registered: ‎07-07-2012
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Re: Discover "Pre-Approved" Application online... This is not it right? Quick please!!

It will show no offers if you are either not approved or if you didn't click on the few questions they ask you first, like they ask how your credit is. So of you click those couple of questions and are not preapproved then you get there the ones they suggest because of what you put in before you submit it. You can do it both ways and see what i am talking about..

Frequent Contributor
Posts: 265
Registered: ‎05-28-2012
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Re: Discover "Pre-Approved" Application online... This is not it right? Quick please!!

If you click "see all offers" at the bottom of the screen you may very well see that "I'm sorry..." Message many of us are used to. They just changed the layout to get more people to apply

Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
Valued Contributor
Posts: 1,174
Registered: ‎05-17-2010
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Re: Discover "Pre-Approved" Application online... This is not it right? Quick please!!

I've had the Congratulations offer and been denied when I apped before.  I'm now getting mailed offers so I'm hoping it's safe.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Discover "Pre-Approved" Application online... This is not it right? Quick please!!

I would just go for it CA, you know the excitement is going to be too much and to be honest, you can't be a true creditaddict without all the prime lenders HP's on your reports!

DOOOOEEEEETTTTTT!!!!!



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