![]() You can also skip the preapproval process and apply directly. How To Apply for a Discover Credit Card Without Preapproval If you find any, dispute them with the credit bureau so your credit reports only reflect accurate information. Also check your credit report for errors. Discover stresses the importance of paying bills on time, since missed and late payments can hurt your credit scores, as can using too much of your available credit on existing credit cards. If Discover does not present you with any offers after going through the preapproval process, it’s an indication that you do not meet the qualifications for any of their current preapproval offers.Įligibility is largely based on the health of your credit score. If You Are Not Offered any Preapproved Cards Discover would then send you a letter explaining the reason for this denial. If so, you may be denied a preapproved offer that was previously presented to you. You will only know if you really qualify after completing the official application and submitting it for final review.Īlthough the preapproval process does narrow your choices to eligible cards, the information in your credit report may have changed from the time you were preapproved. However, Discover notes that preapproved credit card offers do not mean guaranteed approval. How Accurate Is Discover Credit Card Preapproval?īecause you provide your basic personal and financial information and give the Discover permission to pull your credit report, the cards you’re presented with will likely be approved if you apply. ![]() Discover’s pre-application tool will autofill the information that you already provided which streamlines the process. Within seconds you will be presented with additional options, should any be available.Īt that stage, you can read about the credit cards for which you are preapproved, and can select the one that you want. How To Check Preapproval StatusĪfter filling out the online preapproval form, you will see a box at the bottom of the page asking you if you wish to receive further electronic communications, give Discover permission to pull your credit report.If you click the box, the system will search for preapproval offers. In this case, you’ve been preapproved for the card, and may even be eligible for competitive introductory APRs. That means you appeared on a list of consumers who met the credit card’s initial credit criteria, which it obtained from the credit bureaus. ![]() Your choices are cash back, travel rewards, balance transfer, or other.ĭiscover may also mail you a pre-screened credit card offer. You will select from “own home,” “rent,” or “other.” Once you start completing the application, you will see that it requires more detailed information, such as: Discover has many different credit cards, so you will also see a drop-down menu for the card benefit you’re looking for, such as cash back, travel rewards, or a balance transfer. You will have to input your identifying information, such as your name, address, and date of birth. At the top, you will see that the company assures applicants that there will be no adverse action against their credit when they use this feature. ![]() To check for preapproval, visit the Discover website to access the preapproval form. Here is a list of our partners who offer products that we have affiliate links for.How To Get Preapproved for Discover Credit Cards While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. Second, we also include links to advertisers’ offers in some of our articles these “affiliate links” may generate income for our site when you click on them. This site does not include all companies or products available within the market. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. First, we provide paid placements to advertisers to present their offers. This compensation comes from two main sources. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The Forbes Advisor editorial team is independent and objective.
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