I have gone to great pains to pay down credit card balances that our family has run up during the Thansgiving/Christmas holidays and beyond...$5,000 of them, to be more precise.
At one point our CC utilization was 80%...no joke.
As of today, it sits at 19.3% (Yeah, yeah...I know 1-9% is ideal for most...this is significant progress nevertheless). My FICO scores reflect only TWO of the paid-in-full accounts reporting. The rest will report by month's end.
So given that I am at (and likely to be above) the 700 mark with my FICO scores, I took a spin on the Discover Card prequalification wheel this afternoon...and they have a PRE-APPROVED Discover More waiting for me there!
The problem?
We are buying a house in June...rather, we are getting USDA prequalified (will be 2 years our of BK as of June) on June 12th...then buying at the end of the month, so getting a credit card (even if it is my dream prime card) isn't exactly the smart move.
However, as I have openly pined for Discover and courted her (including chocolate and flowers) for so long, I felt the need to shout to the rooftops that she has accepted my marriage proposal. I just need to wait until after the house closes to walk her down the aisle 
Yeah I would definitely wait as you don't want anything to stand between you and that home loan. But congrats anyways, hope she's worth the wait...
Starting Score: EQ 675 | TU 688 | EX 702
I did the same and found that I'm also pre-approved. Does that mean that if I apply, I won't get hit with a hard pull? Also, is there any difference between this and getting special offers in the mail? I noticed that Discover doesn't seem to offer cash back incentives like $250 after spending $1000 like Chase and AMEX. Do they ever offer these types of promotions?
It's better to wait, the higher score will get you a better CL.
From what I read in the OP, Crusader has not applied, only checked the site for pre-approved offers and knows better than to apply until after the mortgage is finalized etc.
Not to worry Crusader, Discover will be more than happy to wait until after the mortgage etc, I've read it's best to wait at least 30 days after the mortgage is done before applying for anything though, I just don't remember where I read it, I think it was on here.
Congrats on the pre-approval though and even more so on the new house 
@RyVision wrote:From what I read in the OP, Crusader has not applied, only checked the site for pre-approved offers and knows better than to apply until after the mortgage is finalized etc.
Not to worry Crusader, Discover will be more than happy to wait until after the mortgage etc, I've read it's best to wait at least 30 days after the mortgage is done before applying for anything though, I just don't remember where I read it, I think it was on here.
Congrats on the pre-approval though and even more so on the new house
Many thanks for the congrats!
Yes indeed...I do know not to apply for ANYTHING in the months before and shortly after the house-buying and closing process
I would like to know where the info about waiting at least 30 days after the mortgage closes came from. Once you sign on the dotted line and receive your keys you are free to do whatever you want without worry; unless your contract specifically states that the sale of the home is contingent on you not having your credit pulled or having credit extended to you for a specified amount of time after closing. After I closed on my home, the very next day I went and purchased a new car which I had held off on doing for the entire year before buying the home. No negative side effects except for the numerous pulls showing on my credit reports by the home and auto loan lenders from shopping around. But even those are condensed into two pulls since they were done within a short period of time.