Solid Discover It prequal offer?

[NaaryalHead]

I've been getting weekly mailers from Discover it from months.

The most recent one is showing an 18.24% Apr. Is this a solid offer?

I don't really plan to app any time soon because of a planned chase app by year end but just curious how my standing is with them stats wise.

[Remedios]

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@NaaryalHead wrote:
I've been getting weekly mailers from Discover it from months.

The most recent one is showing an 18.24% Apr. Is this a solid offer?

I don't really plan to app any time soon because of a planned chase app by year end but just curious how my standing is with them stats wise.

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Try their website for preapproval  https://www.discovercard.com/application/prequal

Website preapprovals are pretty solid 

Mailers are not exactly done in "real time" so things could have changed . CRA could have matched the info for Disco months ago 

[NaaryalHead]

Whups it shows 25.24% there now. It seems the online prequal took into consideration my 2 months old citi card.

Good to know so I'll apply online only whenever it's time for Discover... After a good 7,8 month gap after my chase app.

[ibebarrett]

When you're looking at pre-approvals make sure to look at the fine print, your introductory rate/time period will vary based off your score as well as BT offers! Those may not be necessary for your situation, but I assume there's some type of correlation between better offers and higher credit limits.

[Remedios]

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@NaaryalHead wrote:
Whups it shows 25.24% there now. It seems the online prequal took into consideration my 2 months old citi card.

Good to know so I'll apply online only whenever it's time for Discover... After a good 7,8 month gap after my chase app.

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Yup, situation changed. Your online preapproval is done in real time so I'd go by that always 

[pinkandgrey]

The prequals are solid, but they can be outdated. If you’re holding out for a Chase, then wait on the Disco. It will still be there when you get your Chase card. Good luck!