topic Re: Discover pre-approval in Credit Cards

Discover pre-approval

NursePurse — Thu, 24 Apr 2014 01:10:49 GMT

I just went to check Discover for apre-approval, it looks like the one they used to use has changed. Here's what I go when I entered my info. Has anyone tried the Discover pre-approval site recently? Here's the link https://www.discovercard.com/application/fmo?execution=e1s1

I have not yet applied

Here's The Card We Found For You

The Discover it card is changing the game.

Your Offer

No Annual Fee*
0% Intro Purchase APR* for 14 months and then 10.99%– 22.99% Standard Variable Purchase APR.
0% Intro Balance Transfer APR* for 14 months from date of first transfer, for transfers under this offer that post to your account by July 10, 2014 and then 10.99% – 22.99%Standard Variable Purchase APR.*
3% of the amount of each transfer .
* See rates, rewards and other info

Re: Discover pre-approval

axledobe — Thu, 24 Apr 2014 01:17:51 GMT

@NursePurse wrote:
I just went to check Discover for apre-approval, it looks like the one they used to use has changed. Here's what I go when I entered my info. Has anyone tried the Discover pre-approval site recently? Here's the link https://www.discovercard.com/application/fmo?execution=e1s1
I have not yet applied

Here's The Card We Found For You
The Discover it card is changing the game.
Your Offer
No Annual Fee*
0% Intro Purchase APR* for 14 months and then 10.99%– 22.99% Standard Variable Purchase APR.
0% Intro Balance Transfer APR* for 14 months from date of first transfer, for transfers under this offer that post to your account by July 10, 2014 and then 10.99% – 22.99%Standard Variable Purchase APR.*
3% of the amount of each transfer .
* See rates, rewards and other info

I noticed this last night, too. Unfortunately, it looks like they are taking a US Bank approach and giving generic "offers" instead of preapprovals. Based on the above giving you an APR range and not a specific rate, the lack of "congrats, you are prequalified for...." and the lack of the opt out prescreen message makes me trust this ZERO. I would put no faith in it at all, unfortunately. I have a feeling it's going to be a "you almost have to know going in" approach like US Bank. I'm not a fan of their new prequal as it offers little to no indication of approval.

Re: Discover pre-approval

NursePurse — Thu, 24 Apr 2014 01:22:30 GMT

@axledobe wrote:
@NursePurse wrote:
I just went to check Discover for apre-approval, it looks like the one they used to use has changed. Here's what I go when I entered my info. Has anyone tried the Discover pre-approval site recently? Here's the link https://www.discovercard.com/application/fmo?execution=e1s1
I have not yet applied

Here's The Card We Found For You
The Discover it card is changing the game.
Your Offer
No Annual Fee*
0% Intro Purchase APR* for 14 months and then 10.99%– 22.99% Standard Variable Purchase APR.
0% Intro Balance Transfer APR* for 14 months from date of first transfer, for transfers under this offer that post to your account by July 10, 2014 and then 10.99% – 22.99%Standard Variable Purchase APR.*
3% of the amount of each transfer .
* See rates, rewards and other info
I noticed this last night, too. Unfortunately, it looks like they are taking a US Bank approach and giving generic "offers" instead of preapprovals. Based on the above giving you an APR range and not a specific rate, the lack of "congrats, you are prequalified for...." and the lack of the opt out prescreen message makes me trust this ZERO. I would put no faith in it at all, unfortunately. I have a feeling it's going to be a "you almost have to know going in" approach like US Bank. I'm not a fan of their new prequal as it offers little to no indication of approval.

Thanks for your input. I fell for the US bank "pre-qualified" offer afew months ago. I know they are not solid pre-quals, but I totally agree with not getting the "Congratulations" message.

Re: Discover pre-approval

NYFan63 — Thu, 24 Apr 2014 01:34:08 GMT

@NursePurse - I just did the same thing and got the same message tonight where a week or two ago I got the message they could not find a card. Interesting...

Re: Discover pre-approval

NursePurse — Thu, 24 Apr 2014 01:38:23 GMT

Lol I just went back there and entered Joe Schmoe info and they had a card for him too

Re: Discover pre-approval

RushXTC — Thu, 24 Apr 2014 01:41:12 GMT

@NursePurse wrote:
Lol I just went back there and entered Joe Schmoe info and they had a card for him too

They had the Discover IT preapproved for "Whata Day Mang Jr." as well!

Re: Discover pre-approval

juggalo9er — Thu, 24 Apr 2014 01:42:49 GMT

they had a card for me as well...after being denied 2 weeks ago

Re: Discover pre-approval

NursePurse — Thu, 24 Apr 2014 01:45:41 GMT

@RushXTC wrote:
@NursePurse wrote:
Lol I just went back there and entered Joe Schmoe info and they had a card for him too

They had the Discover IT preapproved for "Whata Day Mang Jr." as well!

haha

Re: Discover pre-approval

axledobe — Thu, 24 Apr 2014 01:48:22 GMT

It's actually kind of sad that it's useless now. Chase, Citi , Amex and Barclay all have pretty solid prequal links. I think there may be a rise in "Discover approval odds" threads and for good reason.

Re: Discover pre-approval

mrvoicelc — Thu, 24 Apr 2014 02:49:49 GMT

Last week I got a Congratulations you are pre-approved message and after reading this thread I tried it again and was offered 15 months at 0% and after that 10.99% but no congrats...just a button to apply...

Re: Discover pre-approval

jamie123 — Thu, 24 Apr 2014 03:20:14 GMT

I was at the same sceen last week and applied after seeing that screen.

Approved for $5000 CL, 0% for 14 months and 14.9% interest thereafter!

Re: Discover pre-approval

Anonymous — Thu, 24 Apr 2014 16:27:35 GMT

@NursePurse wrote:
I just went to check Discover for apre-approval, it looks like the one they used to use has changed. Here's what I go when I entered my info. Has anyone tried the Discover pre-approval site recently? Here's the link https://www.discovercard.com/application/fmo?execution=e1s1
I have not yet applied

Here's The Card We Found For You
The Discover it card is changing the game.
Your Offer
No Annual Fee*
0% Intro Purchase APR* for 14 months and then 10.99%– 22.99% Standard Variable Purchase APR.
0% Intro Balance Transfer APR* for 14 months from date of first transfer, for transfers under this offer that post to your account by July 10, 2014 and then 10.99% – 22.99%Standard Variable Purchase APR.*
3% of the amount of each transfer .
* See rates, rewards and other info

Unfortunately, that does look like a generic preapproval. Like another poster said, look for the word, "CONGRATULATIONS" on the Discover pre-approval site for a real pre-approval.

Re: Discover pre-approval

starry1 — Thu, 22 May 2014 16:49:54 GMT

What's the purpose of asking for the last four of your social if they're not pulling a soft?

Re: Discover pre-approval

corymcd88 — Thu, 22 May 2014 16:56:36 GMT

@NursePurse wrote:
I just went to check Discover for apre-approval, it looks like the one they used to use has changed. Here's what I go when I entered my info. Has anyone tried the Discover pre-approval site recently? Here's the link https://www.discovercard.com/application/fmo?execution=e1s1
I have not yet applied

Here's The Card We Found For You
The Discover it card is changing the game.
Your Offer
No Annual Fee*
0% Intro Purchase APR* for 14 months and then 10.99%– 22.99% Standard Variable Purchase APR.
0% Intro Balance Transfer APR* for 14 months from date of first transfer, for transfers under this offer that post to your account by July 10, 2014 and then 10.99% – 22.99%Standard Variable Purchase APR.*
3% of the amount of each transfer .
* See rates, rewards and other info

I got the same thing, I called Discover and they told me that pre approval come direct from the CRA and pre screened come from public sources.

Re: Discover pre-approval

joltdude — Sat, 24 May 2014 22:38:24 GMT

Oddly enough when I do the preapproval for Discover, I get

0% Intro Purchase APR* for 14 months and then 15.99%– 18.99% Standard Variable Purchase APR.

with a burgundy/maroon discover card on the top of the windowinstead of

0% Intro Purchase APR* for 14 months and then 10.99%– 22.99% Standard Variable Purchase APR.

with a silver/grey card for the ficticious user with 6969 SN

Note the different range for bal transfer and purchase APR...

So they are doing *something*...

-j

Re: Discover pre-approval

fot1 — Sat, 24 May 2014 22:24:42 GMT

I put in my info and get a purple ish card on top with %15-%18 interest.. I put in my gf's info and get a silver card with %18-%22 apr...

Re: Discover pre-approval

joltdude — Sat, 24 May 2014 22:45:07 GMT

fot1. Has Discover been cluttering your mailbox lately... The paper preapprovals changed color similar to the online preapproval.... least here

Iv been getting silver discover offers untill recently.. the last 3 offers were maroon/burgundy similar to the online site..

Im wondering if they are looking you up before doing a softpull, similar to other cc issuers sites.. and if you already have a promotion offer, showing it... in addition to the soft pulls..

Sure know discover is softpulling me pretty much every time i run the web pre-qual... Thought it was amusing seeing them all on my CR.

Re: Discover pre-approval

fot1 — Sat, 24 May 2014 23:01:07 GMT

@joltdude wrote:
fot1. Has Discover been cluttering your mailbox lately... The paper preapprovals changed color similar to the online preapproval.... least here
Iv been getting silver discover offers untill recently.. the last 3 offers were maroon/burgundy similar to the online site..

Im wondering if they are looking you up before doing a softpull, similar to other cc issuers sites.. and if you already have a promotion offer, showing it... in addition to the soft pulls..
Sure know discover is softpulling me pretty much every time i run the web pre-qual... Thought it was amusing seeing them all on my CR.

I had been opted out till about 2 months ago... Discover has sent 2 mailers since I opted in... Both Maroon.... Citi has been the one filling my mailbox. sometimes twice a week

Re: Discover pre-approval

always41319 — Sun, 25 May 2014 01:50:44 GMT

I've been getting mailers every other week with 0% for 14 months and then 12.99%-15.99% after. I just did this to see if I got something different that you all, and it gave me the exact same terms my mailers gave me. Which makes me think that it's doing SOMETHING...

ugh I wish my income was high enough for them to approve me

Re: Discover pre-approval

joltdude — Sun, 25 May 2014 02:01:55 GMT

As long as your income is over 10k, and your UTIL is good.. you getting the 12.99 to 15.99 means you should pull the trigger on the app... Thats better than their offer to me....

You do realize income is not just what you make from work?....