Discover It card pre-approval?

[Anonymous]

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@joltdude wrote:

Also believe folks who are yearning to get a Discover... sign up for credit scorecard... its 1. Free FICO score a month and 2. The offers for discover from Scorecard have a bit more data attached and more selective than some of their mailing offers... because discover has YOUR info and your SP score obtained via Scorecard....

Need more datapoints on how this is used. but id go for a card offered via Scorecard vs their generic APR offer.... EXCEPT if its a fixed number... and not the highest they offer...but those usually come on paper mailings..

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Agreed. I check that monthly. Hopefully it will change to something other then the secured card in a month or two.... maybe then I'll take the chance...  I only have a total of 2 inquiries on my reports and I really want to keep that number as low as I can. 1- is from trying to get discover a year ago before I knew about these forums, 1 is from getting my capital one card in May.  Our lease is up on our car at the end of the year and I know that will probably add a few when we get a new vehicle. 

[Anonymous]

I have it cleaned up a lot since I first tried a month ago, Now I have a $4200 Credit line with cards, 2 installment accounts, only 2 inquires, one is THEM. No collections or charge off, Util is at 6%. Thought I would give it another shot for the IT card online, I saw it had the wide range APR but tried anyway.. DENIED. The next page had the same exact reasons as my last denial a month before. I called and talked with them and they used the same report they pulled before. I looked and no hard pull off EXP except last months. I need them to get a CURRENT file to look at and she said she had no idea when the old file would go away from their system,Sooo I wait... Will make sure it has a closer ratio on the APR and I'm in the SCORECARD page next time.

[Anonymous]

I think DISC is just playing with me.. They updated my score 8 hours after I appled and now im showing 664 and offering me the unsecured IT card on the scorecard page grrrrrrr... I asked last night for a hard pull to get a real score and was told I'd need to wait. IT WAS 8 dang hours.. now im scared to do the app LOL

[shoegal]

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@Justagirl73 wrote:

I never pre-qualified (always wide range) and no mailers.......and I was approved on my second app. 

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Same as me!

[shoegal]

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@Anonymous wrote:

I think DISC is just playing with me.. They updated my score 8 hours after I appled and now im showing 664 and offering me the unsecured IT card on the scorecard page grrrrrrr... I asked last night for a hard pull to get a real score and was told I'd need to wait. IT WAS 8 dang hours.. now im scared to do the app LOL

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Wait a little. Wait until your utility is low (mine was 6% when I applied and was approved), and it reports lower on your reports. A tiny bit of patience goes a long way.

[Anonymous]

If you're truly pre-approved you will receieve a solid APR. Not a range. For example mines was 24.24%. I'm in the rebuilding stage of my credit and was approved for 1.6k CL.

Transunion 567
Equifax 602

[Gonzozap]

I was toying around with some of the prequal sites.  I found Bank of America to be a joke.  I tried entering some completely fictitious info and got the same result that I got for myself.

And Citi is a joke regardless whether it is mail or the prequal site - at least for me.  Cap One hasn't worked for me either.

But Discover did me right.  All my scores were in the 740's with 18% util.  I already have one Discover card with a $4k limit. I simply tried the Discover prequal site and was quickly approved for $15k.  Before I hit the submit button, it gave me a choice of 2 cards.   I chose the card with zero interest on purchases and transfers for 14 months. I was truly shocked.  After I finished applying & was approved, I realized that all my reports were frozen.  I didn't think prequal would work with reports frozen - even with accounts already with the bank.  I did immediately unfreeze them.  But as of today, 7 days later, Discover still has not pulled my credit.  I can only assume they used an old credit report that would be a year old with lower scores & higher util, more inquiries - just worse all around..

Can't recall for sure, but I think I may have got my 1st Discover on the prequal site also.

[Gonzozap]

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@Gonzozap wrote:

I was toying around with some of the prequal sites.  I found Bank of America to be a joke.  I tried entering some completely fictitious info and got the same result that I got for myself.

And Citi is a joke regardless whether it is mail or the prequal site - at least for me.  Cap One hasn't worked for me either.

But Discover did me right.  All my scores were in the 740's with 18% util.  I already have one Discover card with a $4k limit. I simply tried the Discover prequal site and was quickly approved for $15k.  Before I hit the submit button, it gave me a choice of 2 cards.   I chose the card with zero interest on purchases and transfers for 14 months. I was truly shocked.  After I finished applying & was approved, I realized that all my reports were frozen.  I didn't think prequal would work with reports frozen - even with accounts already with the bank.  I did immediately unfreeze them.  But as of today, 7 days later, Discover still has not pulled my credit.  I can only assume they used an old credit report that would be a year old with lower scores & higher util, more inquiries - just worse all around..

Can't recall for sure, but I think I may have got my 1st Discover on the prequal site also.

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CORRECTION:  Credit was pulled.  I missed the alert.  Still wonder if they got around the freeze as a current creditor or if the pull came a few minutes later after I unfroze.  

[Brian_Earl_Spilner]

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@Anonymous wrote:

I think DISC is just playing with me.. They updated my score 8 hours after I appled and now im showing 664 and offering me the unsecured IT card on the scorecard page grrrrrrr... I asked last night for a hard pull to get a real score and was told I'd need to wait. IT WAS 8 dang hours.. now im scared to do the app LOL

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Can't you call back now that they have a current report?