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Do Discover still use a SP for new cards?

NextUp2bat
Valued Member

Do Discover still use a SP for new cards?

Hi,

 

I thought I read on this forum a year or so ago that Discover do soft pulls for new cards if you have existing cards, I can't find that thread now. Is that really the case? I did a prequalify and am strongly considering it for a balance transfer card and of course would love to save a HP.

 

 

Message 1 of 11
10 REPLIES 10
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: Do Discover still use a SP for new cards?

They've never done that. There are reports of people getting a SP approval if they send you an offer, but that's not the norm.




Message 2 of 11
BigBS
Valued Contributor

Re: Do Discover still use a SP for new cards?

Don't think I've seen them do that. Both of my Discover cards brought an HP. CLIs are a different story, but not card approval.

Score: EQ(805) EX(804) TU(822)
INQs: EQ(3) EX(5) TU(6)
Last INQ: 02 Sep 20

Total Credit Limit - $1.4M

Message 3 of 11
ImTheDevil
Community Leader
Super Contributor

Re: Do Discover still use a SP for new cards?

^^^ same here, both cards were HPs, and CLIs on both were SPs.



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Message 4 of 11
NextUp2bat
Valued Member

Re: Do Discover still use a SP for new cards?

Thanks for the clarification. I don't know why I thought I read that a few years ago. I thought it sounds unusual which is why I went back to try and find it before I went any further.

Message 5 of 11
CreditCuriosity
Moderator

Re: Do Discover still use a SP for new cards?

There were reports of it about 3 years ago.  Although either people might of been confused or a few people possibly did slip through the cracks with discover pre-qual tool by a SP.  Certainly no longer happening though.

Message 6 of 11
blackfines1
New Contributor

Re: Do Discover still use a SP for new cards?

They will do SP on preapprouval/prequalify for new card . type discover preapprouval on google.

Message 7 of 11
Remedios
Moderator

Re: Do Discover still use a SP for new cards?

Yup, like @CreditCuriosity said, around 3 years ago, a lot of cards were opened via SP pre-approval. 

Cold apps always resulted in HP.

 

That ship definitely sailed long time ago. 

 

 

Message 8 of 11
SouthJamaica
Super Contributor

Re: Do Discover still use a SP for new cards?


@NextUp2bat wrote:

Hi,

 

I thought I read on this forum a year or so ago that Discover do soft pulls for new cards if you have existing cards, I can't find that thread now. Is that really the case? I did a prequalify and am strongly considering it for a balance transfer card and of course would love to save a HP.

 

 


No they don't do that.

 

I think you're thinking of American Express, which does do that.


Total revolving limits 677500 (584500 reporting) FICO 8: EQ 758 TU 777 EX 749

Message 9 of 11
Remedios
Moderator

Re: Do Discover still use a SP for new cards?


@SouthJamaica wrote:

@NextUp2bat wrote:

Hi,

 

I thought I read on this forum a year or so ago that Discover do soft pulls for new cards if you have existing cards, I can't find that thread now. Is that really the case? I did a prequalify and am strongly considering it for a balance transfer card and of course would love to save a HP.

 

 


No they don't do that.

 

I think you're thinking of American Express, which does do that.


They used to, OPs recollection is correct. 

Message 10 of 11
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