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Offers in the mail.

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Offers in the mail.

I’m getting Discover Card letters asking to apply and to put an Invitation # that is provided in the letter. Should I use this number or should I just apply normally without it? Will there be any difference if I do??
Message 1 of 21
20 REPLIES 20
Super Contributor

Re: Offers in the mail.

Yes, there'll be a difference. Check what's currently being offered on their website and compare it to your offer. Use the invitation code if the mail offer is better than the website. Or vice versa.








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Message 2 of 21
Community Leader
Super Contributor

Re: Offers in the mail.


@Keeyz wrote:
I’m getting Discover Card letters asking to apply and to put an Invitation # that is provided in the letter. Should I use this number or should I just apply normally without it? Will there be any difference if I do??

 

Those letters are usually "several" months old by the time they reach you. CRA selects customers based on lenders preference, so it takes a while for the whole process to complete. 

Discover offers preapproval on their website (solid one at that, too), so if interested, I'd run a preapproval and apply from there

You want to make sure your credit situation did not change enough to warrant a denial, or get worse terms outlined in the letter because your situation improved. 

 

In most cases, terms are put in effect at the time of application, so I may be overly cautious. In any case, preapproval from their website is safer option. 

 

 

EX 753 EQ 773 TU 752
Message 3 of 21
Community Leader
Valued Contributor

Re: Offers in the mail.

Just go the the discover prequalify site plug your info in and it will ask you at the bottom if you are responding to an offer.  Its a soft pull and see if you qualify then when you apply they will do a HP.

 

Good luck

Message 4 of 21
Community Leader
Super Contributor

Re: Offers in the mail.

Okay, this is no fun

We need someone to disagree Smiley LOL

EX 753 EQ 773 TU 752
Message 5 of 21
Community Leader
Valued Contributor

Re: Offers in the mail.

@Remedios 

 

Yes this is no fun 😂

 

Good luck OP let us know the outcome if you apply.

Message 6 of 21
Senior Contributor

Re: Offers in the mail.

OP, check the prequal on Discover’s site and then apply through Amazon if you have a prequal and you’ll get a $75 statement credit for making a purchase on Amazon with the card in the first 3 months. 

 

Here’s the IT: https://www.amazon.com/Discover-test_model-it®-Cash-Back/dp/B00AW3IXZO

 

And if you would rather have 3% cash back for the first year (1.5% on each purchase plus 1.5% match after a year) instead of rotating categories, there’s the IT Miles: https://www.amazon.com/Discover-test_model-it®-Miles/dp/B00UCFEZOU

70DD1A3B-9DE6-4CBB-A6D9-BA705BE22054.jpeg
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Message 7 of 21
Super Contributor

Re: Offers in the mail.


@Remedios wrote:

Okay, this is no fun

We need someone to disagree Smiley LOL


PhotoGrid_1565324228652.jpg








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Message 8 of 21
Valued Contributor

Re: Offers in the mail.


@Keeyz wrote:
I’m getting Discover Card letters asking to apply and to put an Invitation # that is provided in the letter. Should I use this number or should I just apply normally without it? Will there be any difference if I do??

It has been my experience that the offers in the mail come with a higher SUB in many cases. They have been sent usually because your credit profile meets the criteria that the issuer is seeking customers from. For instance, they might request the names and addresses of all who have a credit score between 730 and 780. I, as a result get very few mailed offers. People with very high scores are often transactors, and are therefore less profitable for the issuer. People with very low scores often have a much greater risk of default, but are very profitable if they do not default. Those with average scores are usually reasonably low risk, but still tend to carry a balance...this is the group that is most profitable for most issuers. This group also gets mail offers for every non sub-prime credit card imaginable. The 800+ score group recieves comaratively few mail offers. The below average score individuals recieve many sub-prime offers...talking about you now Credit One. Due to my scores most of my offers are for charge cards that cater to high score customer bases...American Express, I am talking to you...quit sending me all these charge card offers please, the fees are ridiculous, and credit cards can be used like charge cards. I do not care how many times you tell me how very few are lucky enough to qualify for your card, or how it has no limit...it is not for me. 550 dollar annual fee..you people have lost your minds!!!

TU fico08=823 08/12/19
EX fico08=813 08/10/19
EQ fico08=826 08/04/19
EX fico09=818 08/03/19
EQ fico bankcard08=849 07/23/19
Message 9 of 21
Super Contributor

Re: Offers in the mail.


@sarge12 wrote:

@Keeyz wrote:
I’m getting Discover Card letters asking to apply and to put an Invitation # that is provided in the letter. Should I use this number or should I just apply normally without it? Will there be any difference if I do??

It has been my experience that the offers in the mail come with a higher SUB in many cases. They have been sent usually because your credit profile meets the criteria that the issuer is seeking customers from. For instance, they might request the names and addresses of all who have a credit score between 730 and 780. I, as a result get very few mailed offers. People with very high scores are often transactors, and are therefore less profitable for the issuer. People with very low scores often have a much greater risk of default, but are very profitable if they do not default. Those with average scores are usually reasonably low risk, but still tend to carry a balance...this is the group that is most profitable for most issuers. This group also gets mail offers for every non sub-prime credit card imaginable. The 800+ score group recieves comaratively few mail offers. The below average score individuals recieve many sub-prime offers...talking about you now Credit One. Due to my scores most of my offers are for charge cards that cater to high score customer bases...American Express, I am talking to you...quit sending me all these charge card offers please, the fees are ridiculous, and credit cards can be used like charge cards. I do not care how many times you tell me how very few are lucky enough to qualify for your card, or how it has no limit...it is not for me. 550 dollar annual fee..you people have lost your minds!!!


You forgot to tag @AmericanExpress








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Message 10 of 21
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