Disco PreQualify & 2nd Card Question

Anonymous · ‎03-28-2017

How reliable are these? I filled out my info and it came back with an It card. I have one already tho.

I know you can have 2 cards, but can you have 2 of the same? Also... my secured card was opened in Nov of 2015. It Unsecured June of 2016. Is the year time frame for a second card based on the secured date or the graduation date?

Thx

kberly69 · ‎03-28-2017

The prequalifier is useless. Someone said they put their dog's name and made up the rest and it came back with a "recommendation". Sorry, don't know about second cards.

CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Feb 2018 EQ 704 TU 687 EX 694

9/24/20: 4 years from discharge FICO 8: EQ 751 EX 765 TU 766 FICO 9 EQ 814 EX 804 TU 821

Anonymous · ‎03-28-2017

Lmao. Only a myfico-er would try that.
Good to know tho.

I wrote a SM and I got a reply back that said customers can have 2 Discover cards and it doesn't matter if it is the same card or different. They forgot to answer my secured portion of the question tho.

Aduke1122 · ‎03-28-2017

Hey I have heard the Prequal is pretty useless. But also on the other hand some report that if it gives you a specific APR vs a range then that is a genuine offer

Anonymous · ‎03-30-2017

Internet rumors state that 2nd Disco card will most likely be granted after the 12th statement of the original. High probability of failure before 12th statement.

There are varying DP's on double cash back matching if applying for 2 Disco ITs.

Cash back matching does work for MILES/IT combos.

Prequal is extremely variable. Gotta unfortunately trust your gut and know your reports.