How solid is this discover offer

[slund5499]

Discover it® Card

See rates, rewards and other Info

Your Personalized Offer SECURE

Go Back

Here's The Card We Found For YouThe Discover it® card is changing the game.
Double cash back at the end of your first year. See Terms

Your Offer

• No Annual Fee*
• 0% Intro Purchase APR* for 12 months and then 11.24% – 23.24% Standard Variable Purchase APR based on your credit worthiness.
• 0% Intro Balance Transfer APR* for 12 months from date of first transfer, for transfers under this offer that post to your account by April 10, 2016 and then 11.24% – 23.24% Standard Variable Purchase APR* based on your credit worthiness.
• 3% fee for each balance transferred .
• * See rates, rewards, free FICO ® Credit Score terms and other info

Cash Rewards

• 5% Cashback Bonus in categories that change each quarter throughout the year like gas, restaurants and more up to the quarterly maximum. Signing up each time is free and easy.
  See 5% Cashback Calendar
• 1% Cashback Bonus on all other purchases -with no limit on how much you can earn.

Treatment You Deserve

• Paying late won't raise your APR*
• Pay your bill 'till midnight (ET) the day it's due online or by phone
• Free FICO® Credit Score on monthly statements, online and in our mobile app
• 100% U.S. based customer service available day or night
• No late fee for your first late payment*

Apply Now Apply Now Back

[CreditCuriosity]

Not solid at all as it is a huge range of APR. Interesting thing is is says secure on it. Never seen that before.  Don't trust the Discover Pre-Qualify site EVER!

[Anonymous]

I'm curious if the SECURE is in reference to the SSL connection to the webpage and is unrelated to the actual card itself.

[CreditCuriosity]

---

@Anonymous wrote:

I'm curious if the SECURE is in reference to the SSL connection to the webpage and is unrelated to the actual card itself.

---

Dont think so as I ran the pre-qual to see if they changed it but don't see secure on mine.

[OmarGB9]

Not a prequal at all, I'm afraid.

[Anonymous]

It looks like a typical prequal offer from Discover. I don't think Discover does special targeted offers (if they do, it must be very rare), so it's probably what you would get if you apply for Discover IT any place at this time. One thing is, if you have a referral from a Discover cardmember, you could get $50 for making your first purchase (theoretically this gets doubled to $100, i.e. you get $50 more one year later, per their "double cashback for the first year" promotion). If you PM me your email I could send you a referal. (I would also get $50 if you get approved for and make a purchase with your new card).

[djshifted]

I have heard (I can't confirm as I haven't seen it for myself) that it's only a guaranteed prequal if the interest rate is a specific number.

[Blodreina]

On a scale of 1 to 10?

0. 

[Anonymous]

There's forum posts that if they snail mail you a high quality mailer, that's a better chance. Like you KNOW they spent some cash on the envelope. 

[Anonymous]

---

@Anonymous wrote:

There's forum posts that if they snail mail you a high quality mailer, that's a better chance. Like you KNOW they spent some cash on the envelope. 

---

That was my experience. I was getting a mailer about once a month in 2014. All plain looking number 10's until August when I got an expensive looking over-sized one. Apped and approved.