Discover Prequalification - Find My Offer

[Anonymous]

Is the "Find My Offer" on Discover reliable? I did it and it offers me the Discover IT card. When I scroll to the bottom, it has the apply now button and also says they've prefilled the form for me. 

[Anonymous]

Do they show a single apr, or a large range?

A single apr is a positive sign, even a few points spread.

[Anonymous]

It says: 

All with no annual fee.*

0% Intro APR* for 14 months on purchases.

Then 11.49% – 23.49% Standard Variable Purchase APR applies.

3% fee for each balance transfer

[mkhan1093]

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@Anonymous wrote:

It says: 

All with no annual fee.*

0% Intro APR* for 14 months on purchases.

Then 11.49% – 23.49% Standard Variable Purchase APR applies.

3% fee for each balance transfer

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That looks like what it would say on the landing page for the Discover it card, not necessarily a prequalified offer.

[Anonymous]

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@Anonymous wrote:

Is the "Find My Offer" on Discover reliable? I did it and it offers me the Discover IT card. When I scroll to the bottom, it has the apply now button and also says they've prefilled the form for me. 

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Not reliable at all. Especially with a big range for APR's.

[Anonymous]

People have gotten Fido approved on the Discover prequal, to put things in perspective.

[Anonymous]

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@Anonymous wrote:

It says: 

All with no annual fee.*

0% Intro APR* for 14 months on purchases.

Then 11.49% – 23.49% Standard Variable Purchase APR applies.

3% fee for each balance transfer

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From that quote, it looks like a roll-of-the-dice thing to me rather than an almost-guaranteed approval. What you want is to see a single APR figure quoted to you (in my case, it was 23.49%) or a much smaller range than what we see here at the least, plus 0% APR on both purchases and balance transfers for the first 14 months. I was seeing that both online and in mailers recently with great frequency, so when I pulled the trigger on Tuesday morning I got approved at once.

[Anonymous]

I did the prequal and had the same results as you. Pulled the trigger on the app anyway - they denied my app but counteroffered with a set interest rate, no 0% period, 10.99% BT + 3% fee - did not display CL. Accepted, had to prove address and ssn, uploaded proof of address and recieved a call to confirm ID vs sending SSN - 1min on phone approvd $1800 CL.

My approval post is on the approval section including all my data points/history.