Discover it

[svtthis]

I received my first discover mailer today for the it card. Needless to say I was pretty surprised. I burned them in my bk7 back in 2012 for 5k. They even had a judgement against me. So my question is its been 4 years do I have a shot? Are mailers pretty firm offer of credit from discover? Scores are low 700's utilization is less than 10% and newest account is almost 3 years old. I have a nfcu 23.5k walmart 5k and Barclay 5.3k and I'm a AU on multiple other accounts.

[Samac]

There's another thread floating around here of someone getting discover it mailers, surprised by them, and getting rejected for having baddies. So apply at your own risk. Their marketing department seems tondo their own thing.

[myjourney]

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@Samac wrote:
There's another thread floating around here of someone getting discover it mailers, surprised by them, and getting rejected for having baddies. So apply at your own risk. Their marketing department seems tondo their own thing.

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+1000 agreed 

I would put no faith in the mailer other than simply marketing 

The fact that you burned them for that amount and that they got a judgement says to me they haven't forgotten about you and your history is still fresh in their computer system 

Shred and move on 
 

[Septrosh]

Yeah, I'm in agreement that they probably haven't forgotten about it yet. I'd probably pass if I were in your shoes. 

[RonM21]

The safe choice would be to pass on it. It's still too soon, and the mailers can't be counted on.

[Anonymous]

BK makes them quite unhappy

[takeshi74]

A mailer is just marketing.  Even an invite, offer, preapp, etc is just mrketing.  Don't rely on these.  If you want to find out for certain you'd have to apply but I wouldn't recommend expecting an approval.

[svtthis]

Fwiw I went to discover's pre approval website and got the same offer. It did give me a specific apr of 23.24 I believe it was. Not a range. Not going to apply since I received a conditional approval on a csp for 5k

[Anonymous]

Oh cool grats on not doing it and possibly getting a CSP instead.  Good luck on the CSP!