Reply
Senior Contributor
Posts: 3,455
Registered: ‎11-30-2007
0

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
0

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
0

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.

Moderator
Posts: 13,871
Registered: ‎04-15-2011
0

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: 1,265
Registered: ‎09-14-2012
0

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 BCP $24,900; Chase Sapphire Preferred $24,200; Chase Marriott $20,000; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; 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 $16,000; Barclay Arrival Plus WEMC $15,000; US Bank PLOC Overdraft $1,500; US Bank Perks+ Visa Signature $8,600; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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.