Re: First ever Discover it Prequal!!!!

morgacj2004 · ‎05-22-2016

Got approved for DC 18month post BK as did my wife. Give it a shot.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

Anonymous · ‎05-23-2016

Is there a way to check on the Discover site to see if you are pre-qualified for their card the way you can with Amex cards? I was on there and didn't see a link for it. I've heard that Amex is pretty on with their pre-qualified offers... how about Discover?

SouthJamaica · ‎05-23-2016

@datrucking210 wrote:
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?

Might as well give it a try. What's one inquiry in the greater scheme of things.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 691 EX 682

SouthJamaica · ‎05-23-2016

@Anonymous wrote:
Is there a way to check on the Discover site to see if you are pre-qualified for their card the way you can with Amex cards? I was on there and didn't see a link for it. I've heard that Amex is pretty on with their pre-qualified offers... how about Discover?

Yeah there is such a page for Discover but it's totally bogus, unlike Amex.

Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 691 EX 682

SouthJamaica · ‎05-23-2016

@datrucking210 wrote:
Another update!

I received the denial letter in the mail and it had a joint application which I clearly stated to the rep that I wasn't interested in doing that. Now the application reference number on the letter doesn't even match the reference number I get when I check the online app status site. The app status just tells me more information is needed and I need to call. When I call they just tell me my app was declined. Shouldn't that be mention on the check status website in the first place. Whole process has been weird.

Sorry.

If it's any comfort, I hate my Discover card, am planning to SD it at this point.

Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 691 EX 682

Anonymous · ‎05-23-2016

I got a prequalifier with a 3 point APR spread with a code to enter and the opt out language. I apped and got a message to call and verify information. So I called and was never asked to verify anything, first thing she said was "I'm sorry you're application was denied" then proceeded to ask if I want a joint application which I said no thanks.

joltdude · ‎05-23-2016

Family member got an offer from Disco with a 10.24 APR offer by mail.... (and the 15 mo 0% APR)... no range....

Wish the idiot apped.....

Id bet good money that was a shoe-in......

-J

datrucking210 · ‎05-23-2016

@SouthJamaica wrote:
@datrucking210 wrote:
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?

Might as well give it a try. What's one inquiry in the greater scheme of things.

Already did and it was declined

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016

Ebates Visa SL $3,200 to $20,000, 25.24%

NFCU Cash Rewards Visa Signature SL $15,300 to $18,000, 14.90%

Lowe's Store Card SL $500 to $5,000 to $17,000, 24.90%

RBFCU Premier Rate Mastercard SL $15,000, 9.95%

Sam's Club Mastercard SL$3,600 to $10,000 to $15,000, 23.15%

Stash Hotel Rewards Visa SL$3,000 to $15,000, 16.24%

J Crew Store Card SL $250 to $4,450 to $12,450

Generations FCU Earned Premium Rewards Visa Siggy SL $7,000, 9.25%

Amazon Store Card SL $600 to $3,500 to $4,000 to $6,000

Citi AAdvantage Platinum Select World Mastercard SL $5,000

JCPenney Store Card SL $500 to $3,500 to $5,000

PenFed Platinum Rewards Visa Siggy SL $5,000, 17.99%

Overstock Store Card SL $2,200 to $3,700

Kohl's Store Card SL $400 to $700 to $1,500 to $2,500 to $3,000

Barclays Rewards Mastercard SL $750 to $1,500 to $2,050

Victoria Secret Store Card SL $500 to $2,000

Lenovo Preferred Store Card SL $1,200 to $1,600

Barclays NFL Extra Points Visa SL $500 to $1,400

BankAmericard Cash Rewards Visa SL $500 Secured Don't Judge, wanted in with BofA and was offered this after being declined

RBFCU Cashback Rewards Mastercard SL $1,000

AU:

Walmart Mastercard SL $1,800 to $2,600 to $8,000

Barclays Rewards Mastercard SL $2,500 to $3,500 to $4,450

Anonymous · ‎05-24-2016

@SouthJamaica wrote:

If it's any comfort, I hate my Discover card, am planning to SD it at this point.

Why do you hate it? Just curious because on this forum and from reading reviews almost everything is positive when it comes to Discover so it would be nice to hear the other side of things for a different perspective.

aussiesareforever · ‎05-25-2016

Bummer OP. I got approved last year with a 7 year old BK and it doesn't appear the BK was an issue from the letter sent. How many inquires do you have?

BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018

First ever Discover it Prequal!!!!

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