First ever Discover it Prequal!!!!

[datrucking210]

Well checked my mailbox yesterday and to my surprise there was a letter from Discover. My eyes got wider. I opened it and it sure was a prequal offer for the discover it card. 0% for 12 months and after that Apr is high at 23.24% but it is a set rate not a range. So now I'm on the fence, should I take the offer and apply and see what happens or just shred it. I'm afraid to apply because I think I'll get denied, they'll pull EQ and that still has a BK showing and from what I remember last time I cold app, they cited that as a reason for denial. But if they see the BK why even waste paper and send me this letter if I'll get denied. Also I have a truckload full of inquiries so they should've seen that.

Well I'm just happy I finally saw a mailer from Discover and not Credit One or First Premier. I don't think I've ever gotten any offers from discover even before my BK so this is really new to me. What would you do?

[Anonymous]

How old is your BK?

[datrucking210]

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@Anonymous wrote:

How old is your BK?

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Is going on 8 years this October.

[datrucking210]

This is the last card that I really want. I think I'll go to the garden for a really long time if I end up getting it. Assuming I even apply for it and get approved.

[Anonymous]

Does the mailer have an invitation code to apply with (or whatever they're called)? How long ago was your last app and denial with them?

[Nova5041]

Honestly it might be good,  but there is still a chance of denial. Plus discover marketing is notorious for false hopes. Especially since you have a Bk, I would just hold off. Ask yourself do you really need this card or do you just want this card.  Just my two cents! 😁

[datrucking210]

Yes it does have an invitation # so it might just be that, and invitation. last app was in January.

[Anonymous]

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@Nova5041 wrote:

Honestly it might be good,  but there is still a chance of denial. Plus discover marketing is notorious for false hopes. Especially since you have a Bk, I would just hold off. Ask yourself do you really need this card or do you just want this card.  Just my two cents! 😁

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I agree with that; however, I think there have been others who have been approved for Discover with a BK reporting? I think? And OP's BK is pretty old.

[datrucking210]

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@Nova5041 wrote:

Honestly it might be good,  but there is still a chance of denial. Plus discover marketing is notorious for false hopes. Especially since you have a Bk, I would just hold off. Ask yourself do you really need this card or do you just want this card.  Just my two cents! 😁

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From all the cards I have this might be the more useful.

[Anonymous]

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@datrucking210 wrote:

Yes it does have an invitation # so it might just be that, and invitation. last app was in January.

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Actually I think that's a good thing?? Does it have an OPT-OUT notice on it somewhere? And last question, has anything changed on you credit report in the last month or 2 (i.e. new accounts, INQs, high utilization, etc)?