Discover 2nd (second) card app thread

[Anonymous]

Does this look like a solid pre-approval or just marketing? Not sure how it's true since my current Discover card is only 8 months old. 

[Anonymous]

Discover is notoriously reliable. I would say trust it unless you have some recent changes to your score/reports. Not advocating to app or not; just my two cents.

[Anonymous]

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@Anonymous wrote:

Discover is notoriously reliable. I would say trust it unless you have some recent changes to your score/reports. Not advocating to app or not; just my two cents.

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You cannot get another Discover card until your first one is 12 months. That's a well known rule. 

https://www.doctorofcredit.com/how-many-discover-cards-can-you-have/amp/

[Anonymous]

Clearly not that well known lol. Probably because I am new to discover. Merely said pre-quals with Discover in general are solid from what I have seen and my own personal experience.

[AverageJoesCredit]

It does look genuine with set apr and all but @Anonymous is correct. Disco likes the one year rule but maybe there are exceptions?. Weird that they offered up a prequal at only 8 months. If op doesnt mind wasting a hp could slways guinea pig

[kdm31091]

The prequal is not always a sure thing. Like others said they do have a 12 month policy where you must have your original card for 12 months before you can get a second one.

[Anonymous]

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@AverageJoesCredit wrote:

It does look genuine with set apr and all but @Anonymous is correct. Disco likes the one year rule but maybe there are exceptions?. Weird that they offered up a prequal at only 8 months. If op doesnt mind wasting a hp could slways guinea pig

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You just want everyone to catch up to how many HPs you've burnt! 🤣 

[GApeachy]

OP, I had a phone convo with a Disco rep this week about the same thing.  My pre-approval online almost had me smash it but then I remembered reading here that might be a mistake.  So I called in and she confirmed that that would have been a mistake for sure.  She said to wait until after I've been with them 1 year and better yet,  wait to see if I start receiving mail offers.

You're offer is better than mine though,  my apr is much higher.  Hopefully you'll snag it soon enough after the 1 year mark.

Edit: sorry, the apr was the same....read it wrong.

[GApeachy]

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@Anonymous wrote:

Clearly not that well known lol.Yeah, I had read here and there on the forum about it but I still couldn't really recall, just knew I thought I saw something about being under 12 months. I actually did this with DH a few months back, got denied and it wasn't worded like that in the letter, it was more like,  a recent change to his acct. or something.  I figured cause he had gotten a cli. So I almost screwed up again. Probably because I am new to discover.Yep, I almost made the mistake of app'ing cause Disco is known to give solid pre-approvals, give me a false sense of security. Merely said pre-quals with Discover in general are solid from what I have seen and my own personal experience.  I wish they wouldn't pre-approve knowing we are under the 12 months...a smidge misleading to anyone other than the MF'ers round here imo.  Now I'm gun shy.

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[Anonymous]

I tried a prequal right after my one year anniversary in July and was told “no soup” - they had nothing to offer. Looked again this past week and had prequals waiting. Snapped up a Chrome this time for the gas reward, as my only gas perks are during the rotating Disco IT category.