Discover Pre-Qualify

[Anonymous]

Wow!

I am glad when I did the prequal and then applied that I was approved with a nice SL.  I would be soooo upset if I wasted a HP.

It’s so hard to believe that tools like this and BOA’s are out there.  What’s the point?  The loss of reputation has to account for something...something the marketing dept. isn’t factoring.

[Anonymous]

Can you elaborate on the BoA part? Was just thinking about getting a new card from their pre-qualify page

[Anonymous]

BOA is a marketing site. You will receive a list of cards as everyone does, but you might as well cold app and cross your fingers.

I have run the prequal on myself a dozen times and I was tempted until I did my research on this site. I would say try the Credit Pulls Database and see if you find profiles similar to yours getting approved. I would consider that more reliable.

[Anonymous]

I have not seen anyone having a solid APR, applying and getting denied....anyone??

[Manonfire]

I was denied with a solid prequal....granted it was a high APR, for discover that is. Are you referring to BofA C00mtg?

[Anonymous]

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@Manonfirewrote:
I was denied with a solid prequal....granted it was a high APR, for discover that is. Are you referring to BofA C00mtg?

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Dicover...I think that's a first i hear about this.  I currently have a set APR of 24% lol, don't need it but did check.

[Anonymous]

I was pre-qualified for $2,500 last year with a single-figure APR of 26.24% after the 14-month 0% APR period. Being a bit frustrated with the rather anemic CLI's I was getting on that card (didn't even get one this month, though I might have better luck next month once all the payoff/paydown activity and CLI's on other cards has shown up on the next TU soft pull), I ran my info through the prequalification routine again, got another single-figure APR offer a few points lower than the older card, and (after verifying ID information) got a new $5,000 card which I hope will get better CLI's (I'm going to run all my grocery shopping over the upcoming quarter through this card and PIF using the cash I'd otherwise have spent on groceries, and see how that goes).