topic Discover Pre Qualifier - Online in Credit Cards

Discover Pre Qualifier - Online

Anonymous — Tue, 19 Sep 2017 15:46:19 GMT

Hi myFICO friends! This is my first post. I am working on my credit and have been checking prequalifying offers online for many weeks now. I'm now getting what appears to be legitimate offers for both Amex and Discover. Can I have some input on what I'm receiving??

Discover, says "we found a personalized offer for you - the Discover it Card"

It's showing 0% intro APR for 14 months then standard 13.99-16.99% variable APR. 3% for each balance transfer. I am very intrigued by the 0% intro and APR is decent and at the lower/middle range of the spectrum for them. They also have a cashback match for the first 12 months of using the card. How great!? I wasn't planning on applying for anything until November/December 2017 but might try to earlier now. I want to hold off for at least another month until my utilization drops and reports.

As for Amex, I'm getting prequalified for Blue Cash Everyday and Everyday card with a set 17.99%.

Can I have some input from you all on these?

As background, my Fico scores are currently 672 EX, 669 EQ and 668 TU. I have 0 inquiries on EX and EQ and 3 on TU that will fall off by December. Utilization ranges between 50-70% (I know this is high hence why I wasn't planning on applying until later this year. I plan to bring utilization down significantly over the next few months. Hoping to bump my scores up by 20-30 points by end of year.

Thanks you all!

Re: Discover Pre Qualifier - Online

Anonymous — Tue, 19 Sep 2017 16:15:50 GMT

Sorry, I feel I should add slightly more on the Amex prequalifier. It's showing 0% introductory APR for 15 months then 17.99% APR. Also a $150 statement credit for $1,000 spend in first 3 months. Legit?!?!

Thanks!!

Re: Discover Pre Qualifier - Online

Anonymous — Tue, 19 Sep 2017 17:24:17 GMT

Welcome to the forums

The three-point range is fairly common from Disco, but not as solid as a fixed APR. Once your utilization is down, you'll have a better chance of getting a fixed APR.

I've been getting the BCE @ 17.99% for some time now with the 15 month 0%. I also get the EveryDay at 17.99% and the PRG at the moment. I've heard great things about Amex fixed APR prequals, but haven't tried it myself.

The best thing about Amex and Disco is the SP CLI's. They will grow!

Re: Discover Pre Qualifier - Online

Anonymous — Tue, 19 Sep 2017 17:34:51 GMT

@Anonymous wrote:
Sorry, I feel I should add slightly more on the Amex prequalifier. It's showing 0% introductory APR for 15 months then 17.99% APR. Also a $150 statement credit for $1,000 spend in first 3 months. Legit?!?!

Thanks!!

If I were you I would just apply for the 250 dollar offer that is out there. Go incognito to their site until you see that offer pop-up and apply for it without the pre-qualify.

Also they don't know your income so unless your income is incredibly small you should be good to get that card or any of their other cards. I was only showing the Green Card on their pre-qualify site but I got the PRG, the Platinum, the BCE and the SPG. Amex seems pretty willing to give out cards.

Re: Discover Pre Qualifier - Online

Anonymous — Tue, 19 Sep 2017 17:48:45 GMT

@frogman1-

How do you get the pop-up for Amex Cards going "incognito". Do you start the app?