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

Senior Contributor

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

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

Message 1 of 5
4 REPLIES
New Contributor

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!

Message 2 of 5
New Contributor

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

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.

Message 3 of 5
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 5
Highlighted
Valued Contributor

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

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

Starting a whole new chapter
Message 5 of 5