discover it

[Anonymous]

i did the "pre-approval" on disco site,  it brought up the discover it card, but doesnt say anything about pre approval or we've found this. etc, etc.

just wondering if this is my chance at disco, or if this is disco playing a tricky hook, line and sinker game.

anyone have any input?

[JGGM]

Depends on scores and what's in your score. But you'll notice with their pre approval site if you just put in any name etc, it will give you that same message, meaning you're not pre approved. 

[Anonymous]

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@JGGM wrote:

Depends on scores and what's in your score. But you'll notice with their pre approval site if you just put in any name etc, it will give you that same message, meaning you're not pre approved. 

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I don't see any verbiage about being pre or not pre-qualified for the offer. Is this how it has always been? I never used it before.

I talked to a CSR in chat and she said this:

Kimberly

 at 9:43, Mar 4:

Thanks for your patience. You were preapproved because your credit report indicated you met our criteria. We may not extend credit to you if, after reviewing your application, we find you do not continue to meet our criteria.

I almost let the application go through for this research project... but somehow refrained and closed the tab.

[rmduhon]

If the offered APR is a 3% range or less it's a fair chance at approval. If it's more than that then it's not a good prequal.

[Anonymous]

I just made this mistake with Discocer. Tried the online pre-approval checked. It said I was pre-approved for the Discover Cash It. So I applied and selected the box to be considered for other cards if denied.

Denied. No offers for the secured either.


Later, someone posted in my thread that their pre-approvals aren't accurate to begin with.

[Anonymous]

So when I filled out the pre-qualify site, my results were:

"We found a personalized offer for you (Discover IT Cash Back) 13.49% - 16.49% APR after the first year. Is that an example of a fair chance of approval?

[jc2]

from experience with Disc over the last 6 mo's...both myself and DW. If it say "we've found a personalized offer for you" its prequalified. If it says anything else...its a suggestion and a roll of the dice as to approval.

[jc2]

I tried it repeatedly after BK and it always came back with "you make like the following....". Once it said "we have found a personalized offer" I was approved instantly. Same with DW

[Anonymous]

Thanks. I receive two mailings from Discover per week about the Discover IT card. The mailings never say I'm pre-qualified but give a 3-point % range. However, I am waiting for a dismissed BK to fall off EQ next month before I apply.

[AverageJoesCredit]

Creditmaze, you may very well be approved now as when i finally did get approved my bk was still on my TU. the fact your getting mailers with 3 point spread is a good sign, good luck