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Discover mailer

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radfam
Frequent Contributor

Discover mailer

I think I got my very first prequal mailer from Discover! Coming here for advice before deciding that’s what it truly is. It has an invitation code and a single number APR on the terms and conditions. Nice shiny pink envelope too, ha! Anyone else get one recently? I have had zero love from Discover before now. I used to check their website every few weeks and only PQ for a Discover IT secured, but haven’t checked in maybe two months now. I don’t know my current score, stopped MF for a little bit. I know my EX is basically the same, 630 as of today on their app.
Fico 8 as of 03/09/2023:



Message 1 of 14
13 REPLIES 13
radfam
Frequent Contributor

Re: Discover mailer

Also includes 5% cash back for places like gas, 1% on all other purchases and 0% APR for 6 mo.
Fico 8 as of 03/09/2023:



Message 2 of 14
A1Credit
Established Contributor

Re: Discover mailer

I believe, someone correct me if wrong, Disco pulls EQ. The single digit APR sounds promising as an approval indicator. Did you check their prequalifier site today?
***Gardening 3/29/2018 until 9/25/2018***

FICO 8 Scores: EQ~692 l TU~657 l EX~669
Message 3 of 14
radfam
Frequent Contributor

Re: Discover mailer

I haven’t yet but I’m going to check now.
Fico 8 as of 03/09/2023:



Message 4 of 14
radfam
Frequent Contributor

Re: Discover mailer

Still PQ for Discover IT Secured when I when through their link (not the respond to a mailer one).

I don’t have a clue what my EQ is really. I don’t use CK for anything other than account tracking but I can see my fako EQ is 640.
Fico 8 as of 03/09/2023:



Message 5 of 14
A1Credit
Established Contributor

Re: Discover mailer

You can sign up for Credit Check Total free trial to get all 3 scores just don’t forget to cancel. You won’t know the outcome unless you app. Scary, I know but that’s the only way.
***Gardening 3/29/2018 until 9/25/2018***

FICO 8 Scores: EQ~692 l TU~657 l EX~669
Message 6 of 14
Anonymous
Not applicable

Re: Discover mailer


@radfamwrote:
I think I got my very first prequal mailer from Discover! Coming here for advice before deciding that’s what it truly is. It has an invitation code and a single number APR on the terms and conditions. Nice shiny pink envelope too, ha! Anyone else get one recently? I have had zero love from Discover before now. I used to check their website every few weeks and only PQ for a Discover IT secured, but haven’t checked in maybe two months now. I don’t know my current score, stopped MF for a little bit. I know my EX is basically the same, 630 as of today on their app.

Do the mailer have the opt out language on it?

Message 7 of 14
radfam
Frequent Contributor

Re: Discover mailer

At the bottom of the info, under the invitation code, it says:

“You can choose to stop receiving “prescreened” offers of credit....” etc etc etc
Fico 8 as of 03/09/2023:



Message 8 of 14
Anonymous
Not applicable

Re: Discover mailer


@radfamwrote:
At the bottom of the info, under the invitation code, it says:

“You can choose to stop receiving “prescreened” offers of credit....” etc etc etc

That sounds like a true prequalification.

Message 9 of 14
radfam
Frequent Contributor

Re: Discover mailer

It looks like one. But I guess not. App’d and denied. 3-5 business day message.
Fico 8 as of 03/09/2023:



Message 10 of 14
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