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Discover SP Spree

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Super Contributor

Discover SP Spree

I tried the useless pre-approve site a couple times, maybe 3 since the begining of the year. I got my 3 free annual CR's this am. Discover has SP'ed me 11 times since 07/16 every 3-4 days all the way up to 08/15/16 on EX. It doesnt show the dates earlier in the year when I used they're pre-approve site. So I guess they really dont SP when you try that site and thats why I read someones dog got the same message as myself and many others.

 

I'm interested in their card. But I haven't recieved anything in the mail. Guess they'll keep SP'ing until they pre-approve me and the mail starts coming in. Very strange eh?





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 1 of 7
6 REPLIES 6
Senior Contributor

Re: Discover SP Spree

Don't rely on preapps.  Learn to assess your own reports and apply when your credit is in shape.

 

Sites with preapprovals don't necessarily SP when you hit the site.

Message 2 of 7
Super Contributor

Re: Discover SP Spree

I'll re-word this. Why would any creditor do so many SP's in a short period? 11 in less than 8 weeks? I'm not hitting the site.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 3 of 7
Super Contributor

Re: Discover SP Spree

Went for it. Listed in Approved Topic.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 4 of 7
Senior Contributor

Re: Discover SP Spree


@FireMedic1 wrote:

I'll re-word this. Why would any creditor do so many SP's in a short period? 11 in less than 8 weeks? I'm not hitting the site.


Discover did the same thing with me in the summer of 2014, right before a pre approval arrived in the mail. 

Message 5 of 7
Super Contributor

Re: Discover SP Spree


@CAPTOOL wrote:

@FireMedic1 wrote:

I'll re-word this. Why would any creditor do so many SP's in a short period? 11 in less than 8 weeks? I'm not hitting the site.


Discover did the same thing with me in the summer of 2014, right before a pre approval arrived in the mail. 


Thanks CAPTOOL for taking the time to reply. This is why I pulled the trigger and bulls eye.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 6 of 7
Community Leader
Senior Contributor

Re: Discover SP Spree


@FireMedic1 wrote:

@CAPTOOL wrote:

@FireMedic1 wrote:

I'll re-word this. Why would any creditor do so many SP's in a short period? 11 in less than 8 weeks? I'm not hitting the site.


Discover did the same thing with me in the summer of 2014, right before a pre approval arrived in the mail. 


Thanks CAPTOOL for taking the time to reply. This is why I pulled the trigger and bulls eye.


 

I have a theroy on this...

 

1. By using the preapproval you show interest.. and im pretty sure they do a SP when you attempt the preapproval... (even if its not binding or used as part of the preapproval your shown)

 

2. Their marketing dept ,.. sees that you prompted a preapproval.. so they keep a watch on you and probably try to send you a preapproval by mail if you havent completed the app... 

 

 

Message 7 of 7
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