Discover It

[elim]

I should add, I've had the large gap in APR on the prequal 2 times before and I was denied both times. It was early in my rebuild and I had 1 or 2 $500 cards (and my scores were Junk)

but this making me think it's good...  12.24%– 15.24%

[Anonymous]

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@bichonmom wrote:

Well not sure what to think. The range on the mailer is 10.99 to 14.99, so that's 4% diff. It is for the red/burgundy Discover It card, but the online app showed a choice of colors, so I don't see that making a diff. The envelope is burgundy, though. 

Obviously if Humpty Dumpty gets a pre-approval online, then it means nothing. 

Do they always use one CRA, or does it vary? 

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LMAO!!!!!! I thought I had read them all!! 

[Anonymous]

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@elim wrote:

I should add, I've had the large gap in APR on the prequal 2 times before and I was denied both times. It was early in my rebuild and I had 1 or 2 $500 cards (and my scores were Junk)

but this making me think it's good...  12.24%– 15.24%

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Yep, that is good.

[joltdude]

The key whether its a real offer or not seems to be the point spread.. Had a family member have a set APR on his mailing... But alas he didnt apply.. But from experience have seen if its a tight spread on paper.. its a bit more likely to be a real offer... ifi ts wide.. its no different than Humpty... BTW the APR offered on that one card offer was 12.something.. (I was envious... i was getting much higher offers)

[Imperfectfuture]

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@Anonymous wrote:

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No de riquer disclaimer?

[boober]

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@joltdude wrote:

The key whether its a real offer or not seems to be the point spread.. Had a family member have a set APR on his mailing... But alas he didnt apply.. But from experience have seen if its a tight spread on paper.. its a bit more likely to be a real offer... ifi ts wide.. its no different than Humpty... BTW the APR offered on that one card offer was 12.something.. (I was envious... i was getting much higher offers)

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That seems to be likely but how current might the info be, that Discover is using on the person using the site? I'm worried now because I had always heard Discover's prequal site is junk. I'm wanting to apply for the It card in about 5 days. I just checked to see if I prequal and I had the wide range. Like 11.24% to 22.24%. My scores right now are around 730 or so. But once a bunch of debt I paid off reports in about 5 days (about 15 grand or so, amongst other things), I'm thinking my score should go up a good 40, maybe 50 points?

I'm gonna naturally check the prequal again before applying. Anyone curious to find out if my prequal results change? And if I actually get the card when and if I apply?

[Imperfectfuture]

I applied without pre qual. Too long to wait.

[Anonymous]

Well my EQ is 671, 6% UTI, I think 9 INQ or so. Newest account opened was my citi Double Cash in October.

[Anonymous]

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@Anonymous wrote:
Well my EQ is 671, 6% UTI, I think 9 INQ or so. Newest account opened was my citi Double Cash in October.

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EQ was 670, Util 7%, Inq 31 (just checked CK) and Double Cash in December and reporting already. I was approved on Friday! 

[boober]

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@Anonymous wrote:

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@Anonymous wrote:
Well my EQ is 671, 6% UTI, I think 9 INQ or so. Newest account opened was my citi Double Cash in October.

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EQ was 670, Util 7%, Inq 31 (just checked CK) and Double Cash in December and reporting already. I was approved on Friday! 

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Well that's interesting. Thexian100 looks like you've got a real good shot at an approval if you apply.

Yet here I am with scores around 730, about 5-9 inq's, my last account opening was about 2 months ago. And I'm getting the wide range on the Disco prequal site.

I've already got the Disco More card which I've had for about 5 years. I would have thought that would have helped my chances getting the IT card. I'm really curious about how my odds look in 5 days when my scores go up 40 plus points or so.