Discover It - Invitation # (Relevant or not?)

[Anonymous]

I was going through old junk mail last night from earlier in the year and discovered that I had received an invitation from Discover to apply for the It card.

It said I should apply by April 25, 2015.

My scores are higher now in the mid 750's. Would it be better to apply using the Invitation # or is that just a marketing gimmic? 

[Anonymous]

Cold app!! It's expired. Any baddies? Your score is great!

[Anonymous]

I have nothing negative on my report. 100% perfect payment. I'd wait until the end of the month when my statements close. According to the simulator my scores should go up around 15 points.

[Anonymous]

You're golden!

[Anonymous]

FYI I was approved in April with a judgement still showing and a 647 score. Lol you got this!

[Anonymous]

What was your starting limit? I would like a fairly high one at least $7000. I used to get a lot of Discover prequalies in the mail, and never took Discover serious as a cc company.  I actually did not consider them on par with Visa/MC/Amex. 

[Anonymous]

My starting limit was a joke 1600, but don't forget how low my score was, not to mention a nasty public record.

[DaveInAZ]

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@Anonymous wrote:

I was going through old junk mail last night from earlier in the year and discovered that I had received an invitation from Discover to apply for the It card.

It said I should apply by April 25, 2015.

My scores are higher now in the mid 750's. Would it be better to apply using the Invitation # or is that just a marketing gimmic? 

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Did you just get the one? I started receiving inivitation letters weekly in late June. I was skeptical as I app'd in Oct. and was turned down flat, and my scores were slightly better then as I only had 5% utilization, now up to 16% overall & 55% on Barclays NFL due to a 15 mo 0% $4k BT to pay off a Prosper loan. But when I got the 3rd one (w/12/31/15 expiration) I decided to app - instant approval w/$4k SL. I've received 2 more invite letters since then, guess they decided they really wanted me. My scores were around 700 w/1/31/11 BK7 discharge. With your 750 score & no baddies you should be good shape with Discover. 

[hizzaah]

You can also check the pre-approval site. It's pretty tricky though as it shows a card for everyone, regardless of if they're pre-approved or not. Look for a set APR or a small APR range (e.g. 10.99-14.99%) instead of 10.99-22.99% if it matters to you.

https://www.discovercard.com/application/fmo?execution=e1s1

If my gf only gets 3 letters from Discover in a week, then it's a slow week  I almost want to make her apply so that they'll stop sending letters 

[Anonymous]

I'm just going to hold tight and maintain the status quo. Tilling away at my veggies.