Discover Card "Invitation"???

[Anonymous]

I received an "Invitation to Apply" for a Discover Card in the mail today. I have been gardening and working on improving my credit scores for a while now.

I would love a Discover Card, but I'm curious... Is An Invitation to Apply the same as a Pre-Approved offer? 

Does anyone have any information on Discover Card Invitations? Any success stories with them? Anything? 

[Crashem]

If it doesn't say per approved doesn't really mean anything. Best way is to check if discover soft pulled you. If they did, then it might mean something even if it doesn't say preapproved.

[Anonymous]

They are more than likely just fishing and hoping you bite!!

[Anonymous]

Thanks guys, I think I'll stay in the garden!

[-Cain-]

https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/findMyOffer If you have an offer here, you probably stand a good chance.

[Anonymous]

Unable to find any offers...

Well that saved me an unnecessary inquiry. Thank you!!! 

[DVH1980]

Not to ruin your gardenign efforts but I received the same offer, twice, and finally pulled the trigger. Went to the site and they did not have any offers for me. Pulled the trigger anyways and was approved. On that note, I received the same offer from Amex 3 times and was "pre approved" on their site, pulled the trigger and denied.

[LS2982]

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@Anonymous wrote:

I received an "Invitation to Apply" for a Discover Card in the mail today. I have been gardening and working on improving my credit scores for a while now.

I would love a Discover Card, but I'm curious... Is An Invitation to Apply the same as a Pre-Approved offer? 

Does anyone have any information on Discover Card Invitations? Any success stories with them? Anything? 

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YMMV but you may meet certain criteria for their card when they bought info from the bureaus so thats why the invite was sent. I wouldn't put a whole lot of stock into it.

Basic info. I would make sure your overall util. is low (below 15%) and no recent derogs. FICO in the 660+ range, they like to pull EQ/TU.

[Anonymous]

If they soft pull, why they ask "What is your credit standing?" Can't they just find the answer in the report they pull?

[LS2982]

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@Anonymous wrote:

If they soft pull, why they ask "What is your credit standing?" Can't they just find the answer in the report they pull?

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I think they want to see what you think your credit standing is