hrmmm, I've been getting tons of disco mailers with these terms and prequal shows this.
Discover it® Card
Your Offer
- No Annual Fee*
- 0% Intro Purchase APR* for 12 months and then 12.24%– 15.24% Standard Variable Purchase APR based on your credit worthiness.
@elim wrote:hrmmm, I've been getting tons of disco mailers with these terms and prequal shows this.
Discover it® Card
Your Offer
- No Annual Fee*
- 0% Intro Purchase APR* for 12 months and then 12.24%– 15.24% Standard Variable Purchase APR based on your credit worthiness.
Thats what I had...seemed solid after digging around here.
@bichonmom wrote:I'm wondering if when you app, it's better to request a BT (it asks you on the app if you want to BT, which accounts and balances you want to pay.)
Or is it better to app w/o requesting a BT? What increases your chances of approval?
IIRC, they will pull any of the 3 CRAs. Is that right? It's been a while, so I don't know what they're doing now. All my CRs are frozen, so I'd like to know what to unfreeze before apping.
How prickly are they about util?
Also, when you use the pre-qual website, do they soft you? Curious because all my repts are frozen, but they came up with an offer on the pre-qual site. Usually those don't give me anything, I've always assumed because my CRs are frozen.
Thanks!
I don't know whether adding the BT during the application improves your odds of getting approved, but I do know it doesn't help you get a higher limit(to cover the BT) upon a (computer generated) approval. Sometimes a recon(manually reviewed by a person) will. My guess is they want that BT fee so won't look unfavorably on it. In that, I don't see a downside to adding it.
Discover is mainly a EQ puller.
Discover likes thin, clean files. If you have that, and a slightly higher utility, I don't see a major problem in getting approved.
According to popular consensus, Discover's pre-quals are very inaccurate so I don't know if they're actually pulling your reports. If they are, it's definitely soft.
I also think, when you apply to compaines and get denied, they still soft your reports and send you mailers later on. That could be how they're sending you invites while your accounts are frozen...not to mention compaines share with each other.
I've also tried putting in meaningless fake data and it said I was approved a few times over the last few weeks or so.
I just tried it right now and it said...
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
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.
I'm going to be applying in about 5 days or so, once some paid off debt gets reported, so hopefully I'll get approved. 
