Discover Pre-Approval Question?

[Creditaddict]

I did the pre-approval and it came back "recommended offer".

Is that like Capital One where I wasn't pre-qualified BUT these might match what your looking for or is that Discovers wording for this is pre-approved?

[smc733]

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@Creditaddict wrote:

I did the pre-approval and it came back "recommended offer".

Is that like Capital One where I wasn't pre-qualified BUT these might match what your looking for or is that Discovers wording for this is pre-approved?

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That's correct, if you click on "See more offers" you'll get

"Unfortunately we were unable to pre-approve your for a card, but you may like these offers" or something like that

I wasn't pre-approved, but still got a More card with a $1,500 limit so you never know.  They ARE very INQ sensitive, so I'm not sure how that will work out for you (no offense)!

[Creditaddict]

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@smc733 wrote:

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@Creditaddict wrote:

I did the pre-approval and it came back "recommended offer".

Is that like Capital One where I wasn't pre-qualified BUT these might match what your looking for or is that Discovers wording for this is pre-approved?

---

That's correct, if you click on "See more offers" you'll get

"Unfortunately we were unable to pre-approve your for a card, but you may like these offers" or something like that

I wasn't pre-approved, but still got a More card with a $1,500 limit so you never know.  They ARE very INQ sensitive, so I'm not sure how that will work out for you (no offense)!

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Good Point! who do they pull?

[smc733]

They've ALWAYS pulled TransUnion for me in New Jersey (I applied twice before and got declined).  I also hear they soft either EQ or EX, but I backdoored into both and haven't seen a soft.

[JayRizzo]

Hey, hey, hey, C.A.!!!  Aren't you supposed to be in an App Timeout with the rest of us?  Hand over the ENTER key and slowly step away from the computer.

[Creditaddict]

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@JayRizzo wrote:

Hey, hey, hey, C.A.!!!  Aren't you supposed to be in an App Timeout with the rest of us?  Hand over the ENTER key and slowly step away from the computer.

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LOL, yes... I'm not applying for anything outside of Navy until at least June when my Ch 7 goes bye bye!

[smc733]

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@Creditaddict wrote:

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@JayRizzo wrote:

Hey, hey, hey, C.A.!!!  Aren't you supposed to be in an App Timeout with the rest of us?  Hand over the ENTER key and slowly step away from the computer.

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LOL, yes... I'm not applying for anything outside of Navy until at least June when my Ch 7 goes bye bye!

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Good choice.  I think when that drops off and you let your inquires age, Discover should be good for you (though as always, they start with low limits)

[Anonymous]

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@smc733 wrote:

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@Creditaddict wrote:

I did the pre-approval and it came back "recommended offer".

Is that like Capital One where I wasn't pre-qualified BUT these might match what your looking for or is that Discovers wording for this is pre-approved?

---

That's correct, if you click on "See more offers" you'll get

"Unfortunately we were unable to pre-approve your for a card, but you may like these offers" or something like that

I wasn't pre-approved, but still got a More card with a $1,500 limit so you never know.  They ARE very INQ sensitive, so I'm not sure how that will work out for you (no offense)!

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Do they only review the inqs within the last six months or full one year?

I've been getting soft "PRM" inqs from them for two months now...wonder what that means

[smc733]

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@Anonymous wrote:

Do they only review the inqs within the last six months or full one year?

I've been getting soft "PRM" inqs from them for two months now...wonder what that means

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The softs are a good sign.  They claim to consider Inqs in the last 12, but here's the thing.

Twice when I got denied, my inqs in the last 12 were much lower than they were when I got approved.  But when I got approved, I had fewer inqs in the last 6, so ymmv.

[ibmrad7]

They pulled EQ here in the Midwest. Took 10 days to verify my Address. Had to fax Bank statements and Phone bills. 5500 initial CL. 0% Bal Transfer for 18 months and 0% purchase APR for 12 months.