topic Re: Discover Pre-Qual page - no offer right now in Credit Card Applications

Discover Pre-Qual page - no offer right now

_NERD — Wed, 05 Dec 2018 10:18:17 GMT

What would cause the response below? Do I need to opt back in on the optoutprescreen site?

Thank you for your interest in Discover.

Unfortunately, we don't have an offer for you right now.

Rest assured, your request did not impact your credit score.

You can submit a new request for pre-approval in 6 Days.

Re: Discover Pre-Qual page - no offer right now

AverageJoesCredit — Wed, 05 Dec 2018 12:14:54 GMT

Story of my life. No preapprovals ever, nor prequals. In this case, could be if you have reports frozen or as i often do, fraud alerts which i understand takes you off the prescreen lists.

Re: Discover Pre-Qual page - no offer right now

Remedios — Wed, 05 Dec 2018 13:13:21 GMT

Why dont you try signing up for Discover score card. It's a soft pull on EX, and it gives you FICO 8, however, they place prequalified offers in there too

https://www.creditscorecard.com

Re: Discover Pre-Qual page - no offer right now

Anonymous — Wed, 05 Dec 2018 14:31:40 GMT

Thanks for that tip, Remedios.😊

Re: Discover Pre-Qual page - no offer right now

_NERD — Wed, 05 Dec 2018 18:32:18 GMT

Thanks @Remedios! I didn’t know about that site.

Re: Discover Pre-Qual page - no offer right now

_NERD — Wed, 05 Dec 2018 19:34:20 GMT

@Remedios wrote:
Why dont you try signing up for Discover score card. It's a soft pull on EX, and it gives you FICO 8, however, they place prequalified offers in there too

https://www.creditscorecard.com

Account set up and saw my report. Nice experience. When I check for my offers it comes back with the same msg as my OP. Sad face.

Re: Discover Pre-Qual page - no offer right now

lordbuffington — Wed, 05 Dec 2018 19:56:45 GMT

I was only offered to apply for a secure card, but went ahead and applied, and received $2000 limit on the unsecured cash back card. I'd read on here not to rely on the prescreened offers.

Re: Discover Pre-Qual page - no offer right now

Anonymous — Wed, 05 Dec 2018 21:37:44 GMT

@lordbuffington wrote:
I was only offered to apply for a secure card, but went ahead and applied, and received $2000 limit on the unsecured cash back card. I'd read on here not to rely on the prescreened offers.

Well it’s just that pre-screened offers tend to have a higher chance of approval, that’s not to say that a cold app won’t, it’s just far less likely that a pre-approval will be denied if your credit has stayed relatively steady since they got the pre-screen data.

Discover I was checking every few months and never had a pre-screened offer until March. Apped when I saw it and got $7500 since they pulled EQ which was my cleanest report.

Its really just meant to avoid wasting a HP as much as possible. And for companies like Amex, you can actually see your APR when you have a solid pre-approval which means the only question mark is your SL.

Re: Discover Pre-Qual page - no offer right now

_NERD — Wed, 05 Dec 2018 21:54:56 GMT

Oh so I need to be opted in to prescreen offers? I opted out years ago but last night I opted back in. The optoutprescreen site said it could take 5 or 6 days to process my opt in request. I pull my 3B Ultimate next week anyway, I can wait.

Re: Discover Pre-Qual page - no offer right now

RonM21 — Fri, 07 Dec 2018 00:43:22 GMT

If you opted back in, it will be interesting to see how many more offers begin to pop up, or even how soon.