topic Re: Discover Website Pre Approval in Credit Cards

Discover Website Pre Approval

Cory88 — Fri, 15 Jan 2021 02:56:59 GMT

I went to see if I was pre approved for a new card and it came back and said "Too many Discover cards" I only have one Discover that was opened in Jan 2015. Has anyone else had this happen to them? My EX FICO was 780 in the online "letter."

Re: Discover Website Pre Approval

FinStar — Fri, 15 Jan 2021 03:27:59 GMT

Have you had any other Discover CCs in the past? Is the one from 2015 still open?

Re: Discover Website Pre Approval

Cory88 — Fri, 15 Jan 2021 04:27:06 GMT

@FinStar wrote:
Have you had any other Discover CCs in the past? Is the one from 2015 still open?

No, this is the only card I have or ever had.

Re: Discover Website Pre Approval

Anonymous — Fri, 15 Jan 2021 04:39:11 GMT

@Cory88 wrote:
@FinStar wrote:
Have you had any other Discover CCs in the past? Is the one from 2015 still open?
No, this is the only card I have or ever had.

@Cory88 I would suggest pulling all three of your credit reports on annualcreditreport.com (it's free weekly until 4/2021) to review them.

Usually that prompt only appears if you have a Discover card under a year old, but since you've had the card for such a long time something else may be at play.

Once you've confirmed that you have no other active or closed recent Discover cards, you can try cold apping.

Is there a reason you want another Discover card? The cashback match is nice, but there were some decent subs on other rotating category cards.

Re: Discover Website Pre Approval

Cory88 — Fri, 15 Jan 2021 13:34:43 GMT

@Anonymous wrote:
@Cory88 wrote:
@FinStar wrote:
Have you had any other Discover CCs in the past? Is the one from 2015 still open?
No, this is the only card I have or ever had.
@Cory88 I would suggest pulling all three of your credit reports on annualcreditreport.com (it's free weekly until 4/2021) to review them.

Usually that prompt only appears if you have a Discover card under a year old, but since you've had the card for such a long time something else may be at play.

Once you've confirmed that you have no other active or closed recent Discover cards, you can try cold apping.

Is there a reason you want another Discover card? The cashback match is nice, but there were some decent subs on other rotating category cards.

I just wanted to see if their were any different offer that may me worth me taking, did not need a new card. I looked at all tree reports and I only show one account.