topic Re: Discover it ? in Credit Cards

Discover it ?

Anonymous — Thu, 05 Nov 2015 17:49:22 GMT

I got a letter in the mail for a discover it credit card it doesnt say preapproved or anything it says 0% apr and it gives me a invatation number should I apply is this like a preapproval

Re: Discover it ?

creditguy — Thu, 05 Nov 2015 18:01:15 GMT

I would take it as an invitation to apply. What does your CR look like? scores are decent, any baddies? They have quirky criteria sometimes.

Re: Discover it ?

Anonymous — Thu, 05 Nov 2015 18:03:22 GMT

I have 1 collection for $1500 and a old charge off for $1200 my ficos all three are in the 660 range no lates 1 year of credit history

Re: Discover it ?

Anonymous — Thu, 05 Nov 2015 18:05:45 GMT

is a invitation same as a preapproval or could I still get denied and who does discover pull

Re: Discover it ?

creditguy — Thu, 05 Nov 2015 18:06:00 GMT

@Anonymous wrote:
I have 1 collection for $1500 and a old charge off for $1200 my ficos all three are in the 660 range no lates 1 year of credit history

I probably wouldn't waste the HP with an open collection.

Re: Discover it ?

Anonymous — Thu, 05 Nov 2015 18:06:22 GMT

My in kdm voice, " don't apply, that looks like a fishing ad to me."

Re: Discover it ?

creditguy — Thu, 05 Nov 2015 18:11:33 GMT

@Anonymous wrote:
is a invitation same as a preapproval or could I still get denied and who does discover pull

No an invitation is simply an invitation. A pre approval is not even a guarantee of approval if something has changed since they mailed it.

Re: Discover it ?

Anonymous — Thu, 05 Nov 2015 18:16:29 GMT

ok thanks didnt want to waste a hp