OK, maybe "lie" isn't the right word. Regardless, here's what happened.
About 20 years ago, I had a student credit card with Discover that ... ended messily. Specifically, this was back before Discover could apparently take electronic payments (unless your account was in collections), no exceptions, and, as a blind guy, writing checks was difficult, and having someone write your checks for you is just A Bad Idea(TM) and should be avoided at all costs, in my opinion.
Fast forward 20 years, as I come out of a totally unrelated chapter 7 (apparently there was about $34k of medical procedures for my son that my insurance didn't cover), and the Discover website is claiming all of a sudden that I'm prequalified for the Discover IT card (I'm probably gonna hate the quarters where fuel is the 5% cash back category). Now, I know that prequalification != approval, but it would seem to me that prequalification does at least mean they've checked any of their own internal data and determine that nothing actively blacklists me. Has anyone ever been prequalified for a Discover offer and then been declined based on internal information (i.e. they didn't bother with a hard inquiry)?
Current cards:- Amex Gold (NPSL)
- Amex Gold (NPSL)
- Amex Platinum (NPSL)
- Amex Green (NPSL)
- Amex Platinum for Schwab (NPSL)
- Amex BCP ($10,000)
- Delta SkyMiles Reserve ($19,000)
- Marriott Bonvoy Brilliant ($10,000)
- Hilton Honors Aspire ($3,700)
- Amex Blue Business Plus ($15,000)
- Bill World Elite MC ($10,000)
- Citi Custom Cash ($4,000)
- Capital One World Elite Mastercard ($4,300)
- Mercury Mastercard ($3,650)
- Discover IT ($3,300)
- Apple Card ($5,750)
- NFCU Flagship Rewards ($11,000)
