Disco Prequal

[Anonymous]

Hit up disco pre approval and came back with this, didnt offer any 0% interest period or balance trasnfer offer but in fine print under it says 6 months for 10.99 on BT. Was wondering since no intro apr was offered is it safe to say if approved would be for a small limit?

[Remedios]

That means you're barely squeezing in. Discover is unpredictable in terms of SL, so I'm hesitant to make correlation between poor approval terms and SL.

Wait a few months and try again.

[Anonymous]

Thanks, thats what i was leaning towards... not sure if it will be a navy 2nd card or discover come march 5th. 

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@Remedios wrote:
That means you're barely squeezing in. Discover is unpredictable in terms of SL, so I'm hesitant to make correlation between poor approval terms and SL.

Wait a few months and try again.

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[Anonymous]

I guess it's possible they aren't currently running a 0% BT offer at the moment but it's hard to tell with Discover. At times, they can be very unpredictable.... their APR's seem to hover around the 20-25% range.

I received pre approval offer for 3 of their cards in March 2019, 25.24% APR and the 0% BT offer. I didn't apply at that time.

April 2019, one month later, I received the same offer except the APR was 23.24%. I applied and my starting line was $9500.  So, you just can never tell what you'll get.

[Jannelo]

I barely squeezed in.  That's about the offer I had in prequal, if even that.  After being offered secured for several months, then being offered nothing for three months after I had another new credit card report, that offer finally popped up unsecured.  I was thankful they weren't just going back to a secured card offer.   I grabbed it.  It came back approved with $1,000 SL. 

[Anonymous]

Thanks everyone for DP’s and advice!

[Anonymous]

Discover is the strangest!
I started 12/17/18 with a $300 secured card. In July 2109 I was refunded the deposit and raised to $2,000.
December 18, I requested CLI and was denied. The very next day I applied for another Discover card and was instantly approved for $4,000 and zero interest on purchases and BT for 14 months. BT has to be initiated by 3/20/20.
Makes zero sense and reason denied was not enough experience at current limit.

[Anonymous]

0% is being offered. Earlier today I got an approval offer for 0% - 18moBT/6moNP... then 19%. I'm tempted to break my "no new card for 2yrs" promise.  

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@Anonymous wrote:

I guess it's possible they aren't currently running a 0% BT offer at the moment but it's hard to tell with Discover. At times, they can be very unpredictable.... their APR's seem to hover around the 20-25% range.

I received pre approval offer for 3 of their cards in March 2019, 25.24% APR and the 0% BT offer. I didn't apply at that time.

April 2019, one month later, I received the same offer except the APR was 23.24%. I applied and my starting line was $9500.  So, you just can never tell what you'll get.

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