topic Re: Discover Pre Approval APR's reliable in Credit Card Applications

Discover Pre Approval APR's reliable

belle6m2k — Sat, 22 Feb 2020 21:18:47 GMT

I used the Discover pre approval page to check if I qualified for anything. The cash back discover and the chrome came up with APR's of 14.9%. I was just curious if this is legit because that's a pretty good rate. Weighing out if I should pull the trigger or not.

Re: Discover Pre Approval APR's reliable

M_Smart007 — Sat, 22 Feb 2020 21:30:05 GMT

if it is not a range 14.9-24.XX probably pretty good.

as long as the rest of your profile is solid. IMHO

ETA: keep us posted if you decide.

Re: Discover Pre Approval APR's reliable

Anonymous — Sat, 22 Feb 2020 21:32:09 GMT

Smart is right! If they offer a solid APR your chances are good. Good luck if you decide to go for it! 👍

Re: Discover Pre Approval APR's reliable

AllZero — Sat, 22 Feb 2020 21:41:38 GMT

13.49% being lowest APR for the IT and Chrome, 14.9% APR sounds like a legit offer. Good luck!

Re: Discover Pre Approval APR's reliable

AverageJoesCredit — Sat, 22 Feb 2020 23:57:04 GMT

Considering i could only score a 24% apr on my second Disco with 730+ ficos, id say you are light years ahead if they offer 14% good luck

Re: Discover Pre Approval APR's reliable

Meanmchine — Sun, 23 Feb 2020 02:28:55 GMT

Good luck !

Re: Discover Pre Approval APR's reliable

M_Smart007 — Sun, 23 Feb 2020 04:52:27 GMT

Good luck

Re: Discover Pre Approval APR's reliable

Anonymous — Tue, 25 Feb 2020 16:42:14 GMT

your chances should be good to be approved for those discover cards.

i had a pretty low score and i applied for the discover it cashback after it popped up on the prequalification page.

instant approval with a mid 600 fico score.

Re: Discover Pre Approval APR's reliable

Anonymous — Tue, 25 Feb 2020 16:54:26 GMT

@belle6m2k wrote:
... Weighing out if I should pull the trigger or not.

Well ... are you the belle of the ball, or not?

Re: Discover Pre Approval APR's reliable

AverageJoesCredit — Tue, 25 Feb 2020 17:01:05 GMT

@belle6m2k ??

Re: Discover Pre Approval APR's reliable

belle6m2k — Sat, 29 Feb 2020 13:11:50 GMT

Sorry. I haven't pulled the trigger because I'm not sure I want another HP right now.

Re: Discover Pre Approval APR's reliable

joltdude — Sat, 29 Feb 2020 13:27:32 GMT

The thing with Discover APRs is that they usually are correct for approval... The other thing... is most Discover cards have a 0% apr on new purchases and (sometimes) a BT on opening, along with cashback match... in my case I got approved for a good, not great APR... but after the promo period, the APR was dropped on its own from the approval... AND i requested a perm apr decrease... Not sure if Miss Disco still sees if you are eligible for a lower apr at the end of the opening promo.. but its pretty reliable to be eligible for an APR reduction every 6 months... usually get a choice between temp and perm... the temp ones are usually slightly larger, but perms can be quite decent... rinse and repeat....

im in the 13.x range now... (though have a 0% promo)....

-J