topic Re: Discover pull in Credit Card Applications

Discover pull

kugel — Mon, 31 Dec 2018 13:08:41 GMT

Anyone know what does discover pull this days for new App?
And is the pre approval site accurate ?

Re: Discover pull

GApeachy — Mon, 31 Dec 2018 13:50:21 GMT

Experian for me, Oct 2018

Re: Discover pull

Eagered2succeed — Mon, 31 Dec 2018 14:01:01 GMT

Depends on the state. When it comes to pre approval if they give you a solid single apr and nothing has changed on your report it's usually a good approval. Just locked in a second card at 13.99 apr by checking the pre approval site.

Re: Discover pull

kugel — Mon, 31 Dec 2018 14:47:30 GMT

What do u mean by saying if they give me a solid apr is it on the per approval page ?

Re: Discover pull

Time2letgo — Mon, 31 Dec 2018 15:05:41 GMT

@Eagered2succeed wrote:
Depends on the state. When it comes to pre approval if they give you a solid single apr and nothing has changed on your report it's usually a good approval. Just locked in a second card at 13.99 apr by checking the pre approval site.

Sweet... Discos 10% on the rotating categories in the 1st year is amazing!!!

Re: Discover pull

GApeachy — Mon, 31 Dec 2018 15:15:46 GMT

If the apr is at a certain % , instead of from % to % range, offered to you when you check which cards are available in the prescreen then you may be in. I will say, if they decline you they will tell you to come back and check again in 7 days.....plus you get an id# that will allow you to receive, for free, from annualcreditreport.com to comb through your report or reports (depending who they pulled). Discover does a sp..stated on pre approval page. If it's not stated on the pre approval page that it will not effect you credit score then go online and search for it, but I believe the sp pre approval is for everyone (just double check).

Re: Discover pull

kugel — Mon, 31 Dec 2018 15:22:49 GMT

Yes it’s a solid 22.99% on the pre approval page and they say I am pre approved for of their cards ,
I do have one card from them with $28,000 credit line what’s my chances that the second card will be with a high credit line also ?

Re: Discover pull

AverageJoesCredit — Mon, 31 Dec 2018 15:27:12 GMT

Discover will not give you another 28k limit.

Re: Discover pull

kugel — Mon, 31 Dec 2018 15:28:30 GMT

What is the max I’ll get with them u think ?
Should I just stick to the one card I have and try to increase it ?

Re: Discover pull

AverageJoesCredit — Mon, 31 Dec 2018 15:30:25 GMT

Op, ive also notived you have been asking this legit question on various threads . You've been on this forum long enough to know a set apr gives best chance at an approval and with s 28k limit Discover, you should have enough experience as anyone with regards to Discover. Plenty of data points on the Discover thread.

Re: Discover pull

GApeachy — Mon, 31 Dec 2018 15:33:35 GMT

Since you have a high cl card with them already, why don't you try a BOA pre approval?

Re: Discover pull

kugel — Mon, 31 Dec 2018 15:37:24 GMT

Agree but just have no patience to scroll all the way back and read everything I didn’t really follow this thread so much ,
But now I want to know if there’s any chance to get a decent credit line if I apply for the second card if anyone knows
Since I do have a soild the APR on the preapproval page

Re: Discover pull

GApeachy — Mon, 31 Dec 2018 15:39:10 GMT

lol, that's a loaded question......only one way to find out. Scares me though, I'm not all that favorable, you may be but ymmv. If you go for, update plz. Wouldn't you rather try with another issuer to broaden your horizon?

Re: Discover pull

Remedios — Mon, 31 Dec 2018 15:39:16 GMT

OP, there is no way to guess what your SL will be.
I believe you will be approved based on pre approval, but that APR is pretty high for second Disco card.
There is something in your profile indicating a higher risk.

Re: Discover pull

kugel — Mon, 31 Dec 2018 15:46:06 GMT

No Bofa for me since I am only 3 years after bk
New York State do they still pull Equifax disco?
Or is there any good cards with Equifax pull
I do have penfed and nfch already

Re: Discover pull

Anonymous — Mon, 31 Dec 2018 15:49:07 GMT

You’re going to be seriously disappointed with that APR when it comes to the SL...

They pulled EQ for me in March but a lot of the DPs I’ve seen lately have been EX.

Re: Discover pull

kugel — Mon, 31 Dec 2018 15:53:56 GMT

I guess I’ll just stick to the one card I have with discover

Re: Discover pull

GApeachy — Mon, 31 Dec 2018 16:12:57 GMT

Join us in the garden......it kinda scratches that itch. Know what I mean?

Re: Discover pull

Anonymous — Mon, 31 Dec 2018 16:13:06 GMT

@GApeachy wrote:
Join us in the garden......it kinda scratches that itch. Know what mean?

One of us!

Re: Discover pull

kugel — Thu, 10 Jan 2019 16:06:16 GMT

Did the second card with disc got a 3k 14.24% solid apr
Not what I expected I was hoping for a bigger credit line
My first card has a 28K credit line
What are my chances that I will get a credit line increase later if I use the second card and pay it off monthly?