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Discover pre qualify question

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tbea1004
Frequent Contributor

Discover pre qualify question

If discover says you are pre qualified is there a good chance you will get the card, or do they say almost everyone is pre qualified? Cap1 said I was pre qualified for QS1 and I was approved. I just do not want to risk a hard pull with anyone for nothing.

Message 1 of 11
10 REPLIES 10
Scupra
Super Contributor

Re: Discover pre qualify question

No, everyone is pre qualified for Discover. You can type anything in. Cap1 pre quals are far better!

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Message 2 of 11
CreditCuriosity
Moderator Emeritus

Re: Discover pre qualify question

Try Donad Duck and I will let you in on a secret, the last four digits of DD's SSN are 1234.   

Message 3 of 11
OmarGB9
Community Leader
Super Contributor

Re: Discover pre qualify question

^+1. Although if your EQ score is high enough and you don't have too many inquiries, you might have a good chance.

Last App: 1/10/2023
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Currently rebuilding as of 04/11/2019.

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Message 4 of 11
tbea1004
Frequent Contributor

Re: Discover pre qualify question


@tbea1004 wrote:

If discover says you are pre qualified is there a good chance you will get the card, or do they say almost everyone is pre qualified? Cap1 said I was pre qualified for QS1 and I was approved. I just do not want to risk a hard pull with anyone for nothing.


This is what came up when I checked

image.jpg

Does this mean that I am pre qualified?

Message 5 of 11
tbea1004
Frequent Contributor

Re: Discover pre qualify question


@CreditCuriousity wrote:

Try Donad Duck and I will let you in on a secret, the last four digits of DD's SSN are 1234.   


You are right. I just tried it...LOL...Thats funny

Message 6 of 11
Anonymous
Not applicable

Re: Discover pre qualify question

Normally pre-qualified offers that do not have a specifically stated APR are not really good indicators of whether you will be approved. They are normally just "suggestions" of which card they think you should apply for.

Message 7 of 11
GoldSorata
Established Contributor

Re: Discover pre qualify question

I really hope Donald Duck uses a credit monitoring service so he doesnt risk identify theft and fraud.

 

Yeah, the Discover prequal is pretty useless

Message 8 of 11
Anonymous
Not applicable

Re: Discover pre qualify question


@GoldSorata wrote:

I really hope Donald Duck uses a credit monitoring service so he doesnt risk identify theft and fraud.

 

Yeah, the Discover prequal is pretty useless


I think Donald Duck uses multiple alias, last I heard his name was Anders And.

Message 9 of 11
Anonymous
Not applicable

Re: Discover pre qualify question

I'd say it's up in the air. The best indication of approval for Discover is a specific or smaller range for APR. Considering that they "prequaled" you with a massive range, I'd take it with a pinch of salt.

 

I got mailers for years and was denied a couple of times. Did the prequal and got the It Chrome. Decided what the heck since it was a dream card and was instantly approved for $6k. It really comes down to how badly you want the card and if you have the inquiry to burn... but I wouldn't depend on that prequal.

Message 10 of 11
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