Reply
New Contributor
Posts: 57
Registered: ‎03-20-2012
0

Does Discover eventually give up?

This week I received 2 pre-approvals for a Discover card.  I've been getting them about once a week. Only this week I got 2. The offers have been getting better. Before the APR was 14.99%. Lately it's been 9.99%. Trying to get my sister to join NFCU so she can get me in so I don't want Discover. But do they ever get the hint that you're not interested and give up? I don't think that I can count how many of these pre-approvals that I've shredded from them this year. 

Established Contributor
Posts: 790
Registered: ‎08-30-2011
0

Re: Does Discover eventually give up?

You can either opt out all together or contact Discover personally and tell them to stop soliciting you.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Established Contributor
Posts: 909
Registered: ‎12-25-2010
0

Re: Does Discover eventually give up?

Just feel honored that you've put yourself in a desirable position to be solicited. It's easy to take that for granted, but there are many people who would jump for joy to be considered worthy of a prime card. So take it as a compliment while you toss their offers in the rubbish, just my opinion.


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Does Discover eventually give up?

you could always opt out  optoutprescreen.com so you'll never get solicited again :smileytongue:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
New Contributor
Posts: 57
Registered: ‎03-20-2012
0

Re: Does Discover eventually give up?

It was nice at first to get them and see what they are offering me. I might just do the opt out thing but was just wondering if they get tired eventually and just stop and move on to someone else. I am honored and 9.9% would be the lowest rate I'd have. But Discover isn't on my radar. 

Established Contributor
Posts: 930
Registered: ‎07-30-2011
0

Re: Does Discover eventually give up?

I love getting pre-approvals.  It's further evidence that my credit rebuild has been a rousing success.  Just cheer when you get one and then have fun putting it through the shredder. :smileyhappy:


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Does Discover eventually give up?

I'm debating on framing my discover pre-approval since I haven't been pre-approved in 10 years or so LOL my credit was that bad til recently =) 

when I got it in the mail i was like LONG TIME NO SEE!!!!!!!!!!


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Does Discover eventually give up?


orl22 wrote:

This week I received 2 pre-approvals for a Discover card.  I've been getting them about once a week. Only this week I got 2. The offers have been getting better. Before the APR was 14.99%. Lately it's been 9.99%. Trying to get my sister to join NFCU so she can get me in so I don't want Discover. But do they ever get the hint that you're not interested and give up? I don't think that I can count how many of these pre-approvals that I've shredded from them this year. 


Trying to get my sister to join NFCU so she can get me in so I don't want Discover : Do you mind to tell me how can i join NFCU ??? I wouild love to join them to but i think i dont qualify for their product and stuff ??? Do we need to be a member to get their CC product ??? Wonder if anyone can answer my question

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Does Discover eventually give up?


nicholasyud wrote:

orl22 wrote:

This week I received 2 pre-approvals for a Discover card.  I've been getting them about once a week. Only this week I got 2. The offers have been getting better. Before the APR was 14.99%. Lately it's been 9.99%. Trying to get my sister to join NFCU so she can get me in so I don't want Discover. But do they ever get the hint that you're not interested and give up? I don't think that I can count how many of these pre-approvals that I've shredded from them this year. 


Trying to get my sister to join NFCU so she can get me in so I don't want Discover : Do you mind to tell me how can i join NFCU ??? I wouild love to join them to but i think i dont qualify for their product and stuff ??? Do we need to be a member to get their CC product ??? Wonder if anyone can answer my question

 


You have to be related to someone in your family that is in the military or was in the military that is a current member to sponser you in. Also with recent changes in a few years if your a contributing member of a household you can get sponsered in, so if you have a roommate that has an account you can sneak in as well. and There is no basic member programs like USAA. it's either your in with them or you are not. and yes you have to be a member to get their Credit cards.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Does Discover eventually give up?

+1

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.