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Today I received an “invitation” to apply for the Discover it card via snail mail. I was wondering if anyone else received this and does this mean that I have a better chance of being approved?
What credit score would you recommend for Discover it? I am in the process of rebuilding my credit but it is improving and thought that maybe this is a sign that I now qualify for some decent cards? I am hoping this wasn’t just a mass mailing to everyone and their mom….
ANSWER: It means that you are probably pre-qualified but it does not mean that you are pre-approved. These mailings are sent out to everyone in a fairly wide range that may qualify for a particular offer based on data that the card company has purchased.
You can actually apply online through the official Discover it application here.
As for a credit score, I would recommend 720+ but I’ve heard of people with scores as low as 660 being approved for this particular offer.
I received this as well….wondering if i should apply? Here are my scores ex:675 eq:710 trans:705
ANSWER: Your Experian score is borderline, but it’s worth a shot – I’ve heard of people with lower scores being approved.
Does the invitation you received in the mail come with an invitation code?
ANSWER: Yes the mailer will have an invitation code and website url to apply – assuming you don’t just mail the application that’s included with the mail offer in.
Credit Shout is a community of personal finance experts dedicated to helping you save money and make smart financial decisions. Learn how to master your credit card rewards, improve your credit score and start eliminating your debt.