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Discover allows you to prequalify for its credit cards. This means Discover will do a soft pull on your credit — which doesn’t affect your credit score — to see if you meet the approval requirements.
Once prequalified, you can see your potential APR and the cards for which you have high chances of approval. Keep in mind, requesting prequalification doesn’t mean you have applied for a card, nor that approval for one is guaranteed.
Note: Discover calls the credit card prequalification process a pre-approval process.
You could try and run a prequalification yourself, although this won’t have the same effect as the official Discover prequalification process.
The first step is to check your credit score. Experian, Equifax and TransUnion let you get a free credit score copy once every 12 months. If this is not an option, check with your bank or with other services that offer free credit score access.
If you have a good credit score of 670 or higher, chances are you could prequalify for most Discover credit cards. But don’t despair if your credit score is lower than that. Discover offers a secured credit card for those with a poor credit score. Using this card can help you improve your credit score and eventually get a better card.
Using Discover’s prequalification service, you can find suggested cards and get a better idea of your approval odds. If you’re not sure a Discover card is right for you, consider another prequalifying provider such as Chase or American Express.
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