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Senior Contributor
Posts: 3,484
Registered: ‎11-30-2007

received a DISCOVER IT pre-approval letter...EXPERIENCES ANYONE?

is it B.S. ?  Not worth the paper it's written on?

New Contributor
Posts: 50
Registered: ‎01-02-2013

Re: received a DISCOVER IT pre-approval letter...EXPERIENCES ANYONE?

I got one, ignored it for a while, then decided to apply online. Was approved for $4000!

New Contributor
Posts: 60
Registered: ‎02-12-2013

Re: received a DISCOVER IT pre-approval letter...EXPERIENCES ANYONE?

[ Edited ]

I had a similar story. Received preapproval offers once or twice a week for about 2 months before I finally applied. Only card I had at time time was CO $750 for a year and a half. Perfect payment history. My util was <10% at time time of application. Approved for 4,500 limit! FICOs between 680-700, discover welcome packet said my score was 716. They pulled TU and I'm in IL.

Posts: 13,897
Registered: ‎04-15-2011

Re: received a DISCOVER IT pre-approval letter...EXPERIENCES ANYONE?

So far I'm loving my DiscoverIT.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 1,332
Registered: ‎09-14-2012

Re: received a DISCOVER IT pre-approval letter...EXPERIENCES ANYONE?

I love my it card but I switched from the Miles card

Never take credit personally

Amex Business Platinum; Amex BCP $24,900; Chase Sapphire Preferred $24,200; Chase Marriott $20,000; Discover It $15,500; Chase Ink Cash $2,600; Chase Slate $10,900; Citi TYP $12,900; Capital One Venture $15,000; Amex SPG Biz $3,000; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $8,000; Care Credit $6,000; Penfed Platinum Sig $5,000; Barclay Arrival Plus WEMC $15,000; Barclays Hawaiian Air Biz $20,000; US Bank PLOC Overdraft $1,500; US Bank Edge Rewards Business $10,000; PenFed PLOC $20,000

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