discover it

[Anonymous]

Yes but my Chapter 13 BK was dismissed, not discharged. That's the worst kind so I want that gone before applying for anything.

[austinguy907]

Disco does a pre-approval this way:

11.xx%-23.xx% = marketing

3% spread = likely approval

solid apr listed = highly likely approval

This sort of thing is an all around guide for most pre-qual pages with a variety of lenders.  The narrower the spread the better the chances.  

[joltdude]

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@austinguy907 wrote:

Disco does a pre-approval this way:

11.xx%-23.xx% = marketing

3% spread = likely approval

solid apr listed = highly likely approval

This sort of thing is an all around guide for most pre-qual pages with a variety of lenders.  The narrower the spread the better the chances.  

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And I have seen a 10.24 (no thats not a typo) which is lower than their posted ranges.... on a Discover pre-approval mailer....

And still a bit **bleep** didn't you app to the family member who recieved it....

-J

[Anonymous]

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@austinguy907 wrote:

Disco does a pre-approval this way:

11.xx%-23.xx% = marketing

3% spread = likely approval

solid apr listed = highly likely approval

This sort of thing is an all around guide for most pre-qual pages with a variety of lenders.  The narrower the spread the better the chances.  

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I've been getting bombarded with Discover It mail offers lately, and the APR's offered have been pretty solid (23.49%, which is admittedly high but better than my Capital One cards and Amazon line). So I decided to check the pre-approval site and got the "We found a personalized offer for you" and the same APR, no spread, plus a 0% APR offer for the first 14 months on purchases.  I guess that means I'm very likely to be approved if I apply...?

[tscrutch]

It sounds to me like you have a very high chance of being approved.  That's very similar to the offer I was given when I applied and approved.

[Anonymous]

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@tscrutch wrote:

It sounds to me like you have a very high chance of being approved.  That's very similar to the offer I was given when I applied and approved.

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Took the plunge just now and BOOM! Instant approval, $2500 credit line!

[Anonymous]

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@Anonymous wrote:

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@tscrutch wrote:

It sounds to me like you have a very high chance of being approved.  That's very similar to the offer I was given when I applied and approved.

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Took the plunge just now and BOOM! Instant approval, $2500 credit line!

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Congrats! Welcome to Discover.

[Anonymous]

Thanks! I will say that all the good things overall that I've been reading about Discover It were a factor in my getting this card - interestingly, in 30+ years of using credit, this will be the first Discover card I've ever had!

[AverageJoesCredit]

Nice, got the same sl on my first Discover Good thing in a year you should be able to request Apr reduction, i sure know i will.

Welcome to the Discover fam and dont forget your myFico fam will have your back

[Anonymous]

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@AverageJoesCredit wrote:
Nice, got the same sl on my first Discover Good thing in a year you should be able to request Apr reduction, i sure know i will.

Welcome to the Discover fam and dont forget your myFico fam will have your back

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Thanks again. When I said I was being "bombarded" with Discover It offers in the mail, I wasn't exaggerating by much - I just went back and checked my USPS Informed Delivery digests for the past month and I counted at least 5, maybe 6, Discover It offers that had been sent to me via snail mail since February 21 (inclusive). I don't think I've ever gotten that many preapproved offers in such a short space of time from a card issuer, even Capital One or Credit One; Discover must REALLY have wanted my business. That, or their offer-generating computer got stuck and kept cranking out letters over and over and over.