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Why is it hard to get approved for discover card ?

reddit.com › r › CRedit › comments › 1jh1q1m › why_is_it_hard_to_get_approved_for_discover_card

I got approved for Discover secured immediately with no prior credit history Answer from UniquelyPeach on reddit.com

discovercard.com › application › preapproval › initial

Credit Card Pre-Approval | Discover

Both pre-qualified and pre-approved ... when you submit an application. Discover's pre-approval form requires only basic financial information, including your social security number, current income, housing status and bank account status....

discover.com › card smarts › getting a credit card › what does credit card pre-approval mean?

What Does Pre-Approved Mean on a Credit Card? | Discover

Typically, credit card issuers don’t need your permission to check your credit report for pre-approval offers, so you don’t know in advance if you’ll receive one. If you meet a credit card issuer’s criteria, you may receive a pre-approved offer for an unsecured or a secured credit card. No, pre-approval doesn’t mean you’ve already been approved for a credit card.

Published July 15, 2025

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Discover It Pre Approval Steps! - YouTube

People also ask

Will checking for pre-approved offers harm my credit?

No. There’s no harm to your credit score to see if you're pre-approved. And you could see the APR and offers you may qualify for before you apply.

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discovercard.com › application › preapproval › initial

Credit Card Pre-Approval | Discover

What are pre-approved credit card offers?

You may receive pre-approval offers in the mail or by email. A pre-approved credit card offer simply indicates that you've met many of the credit card company’s basic qualifications for approval. Some pre-approved offers may come from credit card companies that you already have an account with. But card issuers you don’t have an account with might also send you pre-approval offers as promotions. A pre-approved offer may give you an idea of the terms, like interest rate and credit limit, that you might qualify for.

discover.com › card smarts › getting a credit card › what does credit card pre-approval mean?

What Does Pre-Approved Mean on a Credit Card? | Discover

Does pre-approval mean I’m guaranteed to be approved for a credit card?

No, pre-approval doesn’t mean you’ve already been approved for a credit card. Credit card pre-approval just means that you might be a good candidate for an offer based on the credit card issuer’s initial assessment of your credit history. Because the lender may need more financial information to move forward, you still have to complete an application to receive the offer. Even after credit card pre-approval, the issuer may still deny your application.

discover.com › card smarts › getting a credit card › what does credit card pre-approval mean?

What Does Pre-Approved Mean on a Credit Card? | Discover

reddit.com › r/credit › why is it hard to get approved for discover card ?

r/CRedit on Reddit: Why is it hard to get approved for discover card ?

March 22, 2025 -

Someone from Discover headquarters might have a bias towards me .

My credit is not the best but It’s not bad either . Currently at 640 Experian and 663 FICO because I closed one account and it dropped 63 points. however I built it up low 700’s within 3 months ago , Got an auto loan , approved for capital one secure card , got approved for a new credit card last week with $1500 CL even with my 640 credit score, Yet discover has never approved me for a secure card even when my credit score was at 701 . Yeah I give it up , they are not America express

What did the adverse action letter they mailed you say about your rejection?

It’s not all about the 3-digit score. You get approve (or not) base on your overall credit profile. Something on your profile that Discover doesn’t like. Any late payments, charged off, or collections?

discover.com › card smarts › getting a credit card › does pre-qualification affect your credit score?

Does Pre-Qualification Affect Your Credit Score? | Discover

June 4, 2025 - The distinction between pre-approval and pre-qualification is subtle. Many credit card companies use the terms interchangeably. Pre-qualification typically doesn’t affect your credit score. When you apply for pre-qualification, you agree to let the credit card issuer complete a soft credit inquiry. Fortunately, a soft credit check doesn’t leave a negative mark on your credit report.

discovercard.com › application › preapproval › checkPrequalStatus

Pre-Approved Card Offers: Check Status Now | Discover

Find your pre-approved Discover Card offers instantly. Check if you're eligible for intro APRs, rewards, and benefits.

reddit.com › r/discover › what are the chances of actually getting approved if you’re pre-approved?

r/discover on Reddit: What are the chances of actually getting approved if you’re pre-approved?

June 28, 2023 -

The website says I’m pre approved for the student cards. I’ve applied before and I was denied before due to low income and no credit history. I now have about double the income ($15kish) I had when I first applied, a one year credit history with another card and a 684 credit score. Im wondering if you guys think I should go ahead with the application because I don’t want my score to drop from the hard pull for nothing.

Used a pre-approval tool and got accepted. Then I actually applied with a referral and got accepted. So i’d say pretty good odds. I had like 3 new credit cards in the last 2 months so I was a bit scared of getting denied but it all worked out.

discover.com › card smarts › getting a credit card › pre-qualified vs. pre-approved: learn the differences

Pre-Qualified vs. Pre-Approved: Learn the Differences

The auto loan and mortgage pre-approval processes are more rigorous and may affect your credit score. Neither pre-approval nor pre-qualification guarantees final approval for a credit card or loan.

Published June 5, 2025

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discover.com › credit-cards

Apply for a Credit Card Online from Discover

Find out which credit cards you qualify for by trying an online card pre-approved tool, checking doesn't impact your credit score and can personalize your offer.

Address 2500 Lake Cook Road, 60015, Riverwoods

discover.com › card smarts › getting a credit card › what happens when you apply for a credit card?

What Happens When You Apply for a Credit Card? | Discover

September 3, 2025 - If you’re interested in a pre-qualified or pre-approved offer, you’ll still have to apply and undergo a hard credit check. The Consumer Financial Protection Bureau explains that under the Equal Credit Opportunity Act, credit card issuers can’t legally base credit decisions on your age, sex, orientation, marital status, race, color, religion, national origin, or whether you receive public assistance income. None of these factors should impact your credit approval.

discover.com › credit-cards › secured-credit-card

Discover Secured Credit Card | Build Your Credit History

Compare Credit Cards · Easy Application · Check if You’re Pre-Approved Prequal Application · No credit score required to apply5 · Refundable security deposit required3 · No annual fee · ★★★★★ · ★★★★★ · x / 5 Average of x Reviews11 ·

discovercard.com › application › preapproval › offers

Credit Card Pre-Approval Form | Discover

Find out if you're pre-qualified for a Discover credit card by checking our pre-approved offers for you; it's free and does not affect your credit score to check.

discover.com › personal loans › resources › learn about personal loans › personal loan eligibility

Personal Loans Pre-qualification vs. Pre-approval | Discover

Personal loan pre-approval means that you have been chosen by a lender to receive an offer to apply for a loan. This assessment is also based on a soft credit pull, which is an initial review of your credit report. It does not impact your credit score and does not indicate a final lending decision.

reddit.com › r/creditscore › discover pre-approved me with no score

r/CreditScore on Reddit: Discover pre-approved me with no score

December 20, 2023 -

Hi! I was pre-approved for a Discover It Cash Back Credit Card. I’ve never had a credit card and have zero credit history. I’m 37, have a Bachelor’s and my income is $98K and my rent is $400 in a high income neighborhood. If I apply will I get approved for an unsecured card? Thanks! Need answers asap.

Did you get a letter in the mail? Or an email? If so, read it thoroughly. Usually somewhere on the terms it will say something like they think you might be eligible.

Read What Does Pre-Approved Mean for a Credit Card from Discovers website.

If you have no credit history, good or bad, Discover will typically approve you, so the answer is "probably". Apply and find out if you're so inclined.

discover.com › card smarts › getting a credit card › what credit card do i qualify for?

What Credit Card Do I Qualify For? | Discover

April 15, 2025 - A credit card issuer may use your income to determine whether you get a new credit card and, if so, how much credit they can give you. There may be other factors such as housing information that an issuer may consider. The Discover pre-approval tool can help you see if you’re pre-approved with no harm to your credit score.1 Since the request for pre-approval only results in a soft inquiry, there’s no impact to your credit score.

discover.com › credit-cards › credit-cards-for-no-credit

Credit Cards for No Credit History | Discover

Payments you make (or miss) on a Discover credit card and other information will be reported on your credit report to begin building your credit history with responsible use,2 where a debit card or prepaid card generally won't report activity to credit bureaus

Address 2500 Lake Cook Road, 60015, Riverwoods

discover.com › credit-cards › free-credit-score.html

Free Credit Score — FICO® Credit Score Card | Discover

Check the terms of your specific offer before you move forward with submitting an application. There is no hard inquiry to your credit report to check if you’re pre-approved. If you’re pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score.

reddit.com › r/discover › can i apply for the discover it card with no credit history?

r/discover on Reddit: Can I apply for the Discover It card with no credit history?

January 24, 2022 -

I have an auto loan and a 3-month old credit card that I've never reported more than 1% utilization on. I have no collections, late payments, or any derogatory marks of any kind.

Could I apply for the Discover it card and realistically get approved?

Edit: Limited, not no credit history. I don't have a FICO score yet is what I meant.

Just check to see if you're pre-approved first and you can base your decision on that. Just Google discover card pre-approval.

Highly not recommended for you at this time. You should wait until you have at least 6 months of a history before even thinking about applying for a credit card. What you can apply for is the secured version of the card. That would be more for you at this time.

bankrate.com › credit cards › issuers

How To Get Preapproved For A Discover Credit Card | Bankrate

February 25, 2025 - Preapproval for a credit card involves a soft pull on your credit, which will not affect your credit score but does not guarantee final approval. Discover offers a prequalification tool on their website.

discover.com › card smarts › getting a credit card › instant approval credit cards for bad credit

Instant Approval Credit Cards for Bad Credit | Discover

February 21, 2025 - Credit card pre-approval can streamline your credit card search by helping you determine whether you’re likely to qualify for an offer. You can easily see if you’re pre-approved for a Discover Card with no impact to your credit score.5

discover.com › credit-cards › student-credit-card

College Student Credit Cards - No Credit Needed | Discover

Read more Student Credit Card FAQs · See if you’re pre-approved with no harm to your credit score.8 · Find Out if I'm Pre-Approved · How Do I Get a Credit Card? Learn how to get your first credit card, including what card to apply for and what information you will need to get approved.

Address 2500 Lake Cook Road, 60015, Riverwoods