www.discover.com/preapprove – Check Pre-Approval to apply for a Discover Credit Card
Pre-Approval to apply for a Discover Credit Card
If you are going to apply for a new Discover Credit card, you can take the preapproval or prequalification process at www.discover.com/preapprove. Discover offers this tool to maximize your chance of being approved for the new card before submitting a full application. But it is not a guarantee of approval or rejection for the card. You also meet other qualifications to get the card.
Discover IT, Discover IT Chrome, Discover IT Miles and Discover IT Secured- these are the 4 types of card you can go through the preapproval process for.
The prequalifying process is just to look at some information about your credit such as the length of your credit history, general credit score range etc. to decide you are an eligible and good candidate to have a Discover card.
The pre-approval application does not affect your current credit score or credit report. Discover will not pull your full credit report so you need not worry about that. In fact, the process is a soft pull based on the information you provide.
What you need for the Discover Pre-Approval
Customers just have to complete a few simple steps for the Discover Pre-Approval. All you have to is visit the site online and fill out an application form providing some of the details about you. The following information you need to enter for applying the Pre-Approval.
- Zip Code
- Confirm if you are a student or not
- Total Annual Gross Income
- Monthly Housing or Rent Payment
- Housing Status
- Checking or Debit Account
- Saving/IRA/Money account
- Date of Birth
- Social Security Number
- Select the type of card you are interested in
- Agree to the terms and conditions
- Click “Check Now” to proceed
After that select the card of your choice from the given option.
Benefits of Discover Cards
No matter which card you are eligible or have you applied for in the preapproval process, take a look at the benefits you will get with this card surely:
Free Identity Theft Alerts
You can protect yourself from identity fraud by activation your social security alerts and free New Account alerts. You will be alerted if certain activities i.e. any new credit cards, mortgage, car loans or other accounts opened on your Experian Credit Report.
Freeze or unfreeze account anytime
In this option, you are able to freeze and unfreeze your account in a second through the mobile app or the website. So if you found your card is misplaced you freeze the account at once to prevent the new purchase, cash advance or balance transfer.
Discover proactively monitor your card, the account and also all of your purchases 24/7, ensure none of the information is found on any of thousands of fraudulent websites and notify you if any suspicious activity detected.
No Credit Card Fees
New cardholders will be benefitted by “No Fees” a very good feature of Discover Card. A list of ‘no fees’ that you get with the card is provided below:
- No Annual Fee
- No Foreign Transaction Fee
- No fee for FICO credit store
- No fee for online statement per month
- No over limit fee
- No phone fee
- No late fee for the first time late payment
- No increase in APR for late payment