@CreditCuriousity wrote:Wish I would of saw this thread before you applied... I could tell you their pre-qual isn't reliable at all as you can put your dogs name in their with a fake last 4 ssn and get a "match".. If those are you current scores in your signature that would also be a big issue. Wish you would of waitied to pull the trigger until others had a moment to chime in
.. Sorry about the denial
BTW discover doesn't recon, but if you want a secured card you might be able to call them to see if they will offer you the secured version of the discover it card.
I am guessing they pulled EQ and best chance are with EQ > 680 or higher.
+1
Wish I had replied too before you applied. You can put total fake name / info in there such as Donald Duck and get that same offer.
They are typically not new account / inquiry friendly.
@ktl72455 wrote:What we are finding out via trial and error is the pre qual site does work but you have to look for the 3 point spread. 16.24%-19.24% etc.. If you get a wide range dont do it. Example>>
Your Offer
No Annual Fee*
0% Intro Purchase APR* for 12 months and then 11.24% – 23.24% Standard Variable Purchase APR based on your credit worthiness. ( DONT DO IT)
if you get a silver card...dont do it.
The Burgandy and Plum /Purple cards are what we are finding they show with a 3 point gap are approvals.
This is what the PLUM /Purple card looks like.
GOOD INFO ! +1
If you put in your info and get a Burgandy or Purple card image and there is a 3 point spread, try the pre qual again and put in fake info, it should show you a card etc with a wide point spread. Others that this has worked for also go mailers that the matched the card color and 3 point spread.
My UTL is way over 30% over all so I am not applying right now.
If I change one number in the last four of my SS# I get this Card
Your Offer
- No Annual Fee*
- 0% Intro Purchase APR* for 12 months and then 11.24%– 23.24% Standard Variable Purchase APR based on your credit worthiness.
- 0% Intro Balance Transfer APR* for 12 months from date of first transfer, for transfers under this offer that post to your account by May 10, 2016 and then 11.24% – 23.24%Standard Variable Purchase APR* based on your credit worthiness.
- 3% fee for each balance transferred .
it would be nice if this thread was kept active so others would be able to add to it and hopefully find some very solid insite into discover.
@ktl72455 wrote:If you put in your info and get a Burgandy or Purple card image and there is a 3 point spread, try the pre qual again and put in fake info, it should show you a card etc with a wide point spread. Others that this has worked for also go mailers that the matched the card color and 3 point spread.
My UTL is way over 30% over all so I am not applying right now.
If I change one number in the last four of my SS# I get this Card
Your Offer
- No Annual Fee*
- 0% Intro Purchase APR* for 12 months and then 11.24%– 23.24% Standard Variable Purchase APR based on your credit worthiness.
- 0% Intro Balance Transfer APR* for 12 months from date of first transfer, for transfers under this offer that post to your account by May 10, 2016 and then 11.24% – 23.24%Standard Variable Purchase APR* based on your credit worthiness.
- 3% fee for each balance transferred .
it would be nice if this thread was kept active so others would be able to add to it and hopefully find some very solid insite into discover.
Yeah ktl72455,
That's one of the main reasons I started this thread. The title is set to come up in searches 'cause that's the way I start a search.
The search box is not very intuitive and people use a lot of abbreviations so I wanted it to come up fairly straight forward.
