Discovers prequal site is not very reliable. If it days your prequaled for an It card and is giving you a wide range it is just suggestion. I find that if it says your name and that theyve found a personalised offer with a single apr, not range, that is more reliable. 618 seems low to get the It card but then again, with Discover one truely never knows. They seem to give better sl to those with thin files or recent bk than those with established credit. They truely are YMMV
@AverageJoesCredit wrote:
Discovers prequal site is not very reliable. If it days your prequaled for an It card and is giving you a wide range it is just suggestion. I find that if it says your name and that theyve found a personalised offer with a single apr, not range, that is more reliable. 618 seems low to get the It card but then again, with Discover one truely never knows. They seem to give better sl to those with thin files or recent bk than those with established credit. They truely are YMMV
+1
@AverageJoesCredit wrote:
Discovers prequal site is not very reliable. If it days your prequaled for an It card and is giving you a wide range it is just suggestion. I find that if it says your name and that theyve found a personalised offer with a single apr, not range, that is more reliable. 618 seems low to get the It card but then again, with Discover one truely never knows. They seem to give better sl to those with thin files or recent bk than those with established credit. They truely are YMMV
+1 to this. I wouldn't waste your time, let your score go up for a little while longer. I've been getting prequals from them in the mail for 6 months now, and I usually see two of them a month and was still denied (though that reason was because they pulled my Experian which recently started reporting incorrrect info in my case, prob won't bother again until it's fixed). Take prequals with a grain of salt for the most part.
You can always try their Discover It secured card if you really want a Discover card. From what I understand, they do monthly reviews to determine if they can graduate you to a unsecured It card.
Lol mailers and average joe mix like peanut butter and jelly
Discover, 5 tries, 6hps, almost over my 1st year cash back, the shine has definetly come off a little, not much, but enough to take my salt and add it to my Navy MRE
Discover, 5 tries, 6hps, almost over my 1st year cash back, the shine has definetly come off a little, not much, but enough to take my salt and add it to my Navy MRE
And always remember prequals aren't always needed, though I'd wait until your scores come up a bit.
I recently got my Discover It with a $7k SL with no prequal.
But as always, YMMV