Discover Pre-Approval with Solid APRs

[Anonymous]

OMG!! I'm new to this forum and didn't know anything about the Disco Prequal site until I stumbled upon your post tonight.  I immediately applied and was approved for $9500.  That's more than the 4 CC I have, combined!  Congrats to you and thanks for sharing

[Anonymous]

I can't help but feel sore over Discover's  algorithm for determining SL's.  I aquired my it card at 720 fico and was slapped with a $1000 limit.

[schsa210]

@ Roy21, i think in my case it's due to my charge off with them from 2014 for $1800, i did pay it in full in 2015, but Discover is still holding a grudge. I am ok with that, it did feel good to pay it in full.  I will be patient with them.

[Anonymous]

I'm curious what DIscover prequal page tells you if you already received a Discover card in less than a year?  Anyone know?

I'm due for my secured card to graduate in the next 30 days so I'm not doing any prequals there, and my 1 year anniversary isn't until March 2018 so I have many months to wait to get my second Discover card.

[chaos51]

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@Anonymous wrote:

I'm curious what DIscover prequal page tells you if you already received a Discover card in less than a year?  Anyone know?

I'm due for my secured card to graduate in the next 30 days so I'm not doing any prequals there, and my 1 year anniversary isn't until March 2018 so I have many months to wait to get my second Discover card.

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@Anonymous I got a Discover card around April, and combined the limit into my old Discover (apparently you aren't supposed to do this, but it took me a week to get it done with a very nice supervisor), and I'm showing a preapproval for It / Chrome and Miles / It depending on what I tell them I'm interested in. All of them are showing 14 months 0 percent and 11.99% after that. Are you only talking about a secured card within the last year, or all Discover cards?

[Anonymous]

Nope, any new card helps! Good to know.

I'm assuming there's still a 12 month restriction between new accounts but it'll be interesting to see if the prequal page works around that rule!

I'm not going to app anyway because I want the double cash back offer when this one ends. Those 10% Discover Deals are huge for me when they are double. I take a LOT of cruises and 10% doubled can be up to $700 back on a booking.

[AverageJoesCredit]

Ive checked out the "prequal" page, curious to see they find i may be interested in the It card.

[Anonymous]

Gotta say I am happy to see so many having luck securing a new Discover card! 

[AverageJoesCredit]

Lol, Discover has these weird cycles. Sometimes they are cli , now seems to be starting limits. One think we can all agree is Discover is your doppelganger

[Anonymous]

I am very tempted after reading through this post. I was preapproved and the approval is good until the 20th. I'll do my research on the (2) cards I was preapproved for. The it! Or the miles.