topic Re: Discover pre qualify question in Credit Cards

Discover pre qualify question

tbea1004 — Thu, 09 Jul 2015 22:54:22 GMT

If discover says you are pre qualified is there a good chance you will get the card, or do they say almost everyone is pre qualified? Cap1 said I was pre qualified for QS1 and I was approved. I just do not want to risk a hard pull with anyone for nothing.

Re: Discover pre qualify question

Scupra — Thu, 09 Jul 2015 22:59:11 GMT

No, everyone is pre qualified for Discover. You can type anything in. Cap1 pre quals are far better!

Re: Discover pre qualify question

CreditCuriosity — Thu, 09 Jul 2015 23:00:03 GMT

Try Donad Duck and I will let you in on a secret, the last four digits of DD's SSN are 1234.

Re: Discover pre qualify question

OmarGB9 — Thu, 09 Jul 2015 23:00:05 GMT

^+1. Although if your EQ score is high enough and you don't have too many inquiries, you might have a good chance.

Re: Discover pre qualify question

tbea1004 — Thu, 09 Jul 2015 23:01:13 GMT

@tbea1004 wrote:
If discover says you are pre qualified is there a good chance you will get the card, or do they say almost everyone is pre qualified? Cap1 said I was pre qualified for QS1 and I was approved. I just do not want to risk a hard pull with anyone for nothing.

This is what came up when I checked

Does this mean that I am pre qualified?

Re: Discover pre qualify question

tbea1004 — Thu, 09 Jul 2015 23:04:11 GMT

@CreditCuriousity wrote:
Try Donad Duck and I will let you in on a secret, the last four digits of DD's SSN are 1234.

You are right. I just tried it...LOL...Thats funny

Re: Discover pre qualify question

Anonymous — Thu, 09 Jul 2015 23:09:22 GMT

Normally pre-qualified offers that do not have a specifically stated APR are not really good indicators of whether you will be approved. They are normally just "suggestions" of which card they think you should apply for.

Re: Discover pre qualify question

GoldSorata — Thu, 09 Jul 2015 23:16:29 GMT

I really hope Donald Duck uses a credit monitoring service so he doesnt risk identify theft and fraud.

Yeah, the Discover prequal is pretty useless

Re: Discover pre qualify question

Anonymous — Thu, 09 Jul 2015 23:26:22 GMT

@GoldSorata wrote:
I really hope Donald Duck uses a credit monitoring service so he doesnt risk identify theft and fraud.

Yeah, the Discover prequal is pretty useless

I think Donald Duck uses multiple alias, last I heard his name was Anders And.

Re: Discover pre qualify question

Anonymous — Thu, 09 Jul 2015 23:38:09 GMT

I'd say it's up in the air. The best indication of approval for Discover is a specific or smaller range for APR. Considering that they "prequaled" you with a massive range, I'd take it with a pinch of salt.

I got mailers for years and was denied a couple of times. Did the prequal and got the It Chrome. Decided what the heck since it was a dream card and was instantly approved for $6k. It really comes down to how badly you want the card and if you have the inquiry to burn... but I wouldn't depend on that prequal.

Re: Discover pre qualify question

SOGGIE — Thu, 09 Jul 2015 23:40:07 GMT

tbea1004 if you feel your credit profile might be acceptable, app for it. You can always recon if you are declined. I understand how you feel about the hard inquiry. Without knowing your credit makeup, it is hard to say. Let us know how you make out. Good luck!