Discover Credit Card Pre approval: How to Obtain It ? 2 Mins Answer

Discover Credit Card

Introduction to Discover Credit Card Pre-approval

Shopping for a credit card can be a daunting task. The uncertainty of qualifying for a card only becomes clear after submitting an application and having the credit issuer evaluate your information and credit history. However, submitting multiple applications can negatively impact your credit score. Pursuing credit cards that align with your lifestyle, credit standing, and financial circumstances is crucial to avoid this. Preapproval is a helpful tool that can provide you with a general idea of which accounts you are likely to be approved for. In this article, we will explore how to obtain preapproval for Discover credit cards and provide insights into the preapproval process.

How to Get Preapproved for Discover Credit Cards

To determine if you are preapproved, visit the Discover website and access their preapproval form. The company assures applicants that using this feature will not result in adverse action against their credit. You’ll need to input your identifying information on the form, such as your name, address, and date of birth. Discover offers a variety of credit cards, so you’ll also find a drop-down menu to select the specific card benefits you’re seeking, such as cashback, travel rewards, or balance transfer.

Discover Credit Card

As you proceed with the application, you’ll be prompted to provide more detailed information, including:

  1. Social Security number.
  2. Highest level of education.
  3. Monthly housing/rent payment.
  4. Housing status (choose from “own home,” “rent,” or “other”).
  5. Total annual gross income.
  6. Bank accounts owned.
  7. Preferred card benefit (options include cash back, travel rewards, balance transfer, or other).

Additionally, Discover may send you a pre-screened credit card offer via mail. This means you have met the credit card’s initial criteria, as obtained from the credit bureaus. Preapproved for a card may make you eligible for competitive introductory APRs.

Checking Discover Credit Card Preapproval Status

After completing the online preapproval form, you’ll find a checkbox at the bottom of the page. Click the box to receive further electronic communications and permit Discover to pull your credit report. The system will then search for preapproval offers, and within seconds, you’ll be presented with additional options if available.

At this stage, you can review the credit cards for which you are preapproved and select the one that suits you best. Discover’s pre-application tool will autofill the information you’ve already provided, streamlining the process for you.

Accuracy of Discover Credit Card Preapproval

When you provide your basic personal and financial information and grant Discover permission to access your credit report, the cards presented will likely be approved upon application.

However, it’s important to note that preapproved credit card offers do not guarantee approval. You will only know if you qualify after completing the official application and submitting it for final review.

While the preapproval process narrows down your card choices to eligible options, the information in your credit report may have changed since the preapproval. If any significant changes have occurred, you may be denied a preapproved offer previously presented to you. In such cases, Discover will send you a letter explaining the reason for the denial.

Not Offered any Preapproved Credit Card?

If Discover does not present any offers after the preapproval process, it indicates that you do not meet the qualifications for their current preapproval offers.

Eligibility for preapproval primarily depends on the health of your credit score. Discover emphasizes the importance of paying bills on time, as missed or late payments can negatively impact your credit scores. Additionally, using a notable portion of your available credit on existing credit cards can affect your creditworthiness. It’s crucial to review your credit report for errors and dispute them with the credit bureau to ensure that your credit reports reflect only accurate information.

Applying for a Discover Credit Card Without Preapproval

You can apply directly for a Discover credit card if you prefer to skip the preapproval process. Discover offers a range of options, including cashback, travel rewards, and student cards. To narrow down your choices, carefully review each card’s details, benefits, rewards, and terms. While Discover does not disclose the specific credit score needed to qualify, student cards do not require an established credit history, and the secured card is designed for individuals with lower credit scores.

Click Discover’s website’s “Apply Now” button to apply for the desired card. The online form will prompt you to provide the following information:

  1. Name
  2. Home Address
  3. Date of Birth
  4. Employment Status
  5. Monthly Housing/Rent Payments
  6. Total Gross Income
  7. Email Address

Within minutes, you will receive a notification of your approval status. It’s important to note that whether you’re approved or not, the application will result in a hard credit inquiry added to your credit file.


Preapproval is an invaluable tool for understanding your standing with credit card issuers without risking any damage to your credit. You can quickly identify if your desired card is within reach by going through the pre-approval process. If you receive preapproval, you can proceed confidently and take the next step by submitting your application. Remember, while preapproval offers a good indication, final approval is subject to the completion of the official application and the credit issuer’s review.

Frequently Asked Questions

Q: Will checking for pre-approved offers harm my credit?

A: Rest assured, checking for pre-approved offers will not adversely affect your credit score. This process involves a soft inquiry that does not impact your credit in any way.

Q: What sets apart a soft inquiry from a hard inquiry?

A: Distinguishing between soft inquiries and hard inquiries is crucial. Soft inquiries occur when lenders evaluate your eligibility for pre-approved offers. They remain confidential, visible only to you and the credit bureau, and do not influence your credit score. In contrast, hard inquiries come into play when you apply for credit, and they can be viewed by other lenders. Keep in mind that hard inquiries might affect your credit score.

Q: Why is it important to check if I’m pre-approved?

A: Checking whether you’re pre-approved offers significant advantages. It enables you to explore the APR and various offers you may qualify for before applying. This way, you gain insights into the options without harming your credit profile.

Q: How do pre-approved, pre-selected, and pre-qualified differ from each other?

A: Although these terms are often used interchangeably, they generally refer to evaluating your loan eligibility. Pre-qualified and pre-approved offers assess your financial profile to determine if you meet the criteria for approval upon application submission. Discover’s pre-approval form requires basic financial information such as your social security number, current income, housing status, and bank account status.

Q: Can pre-approved offers be guaranteed?

A: It’s important to note that pre-approved offers are not a guarantee. While they indicate that you meet specific criteria, you must complete a comprehensive application process for a final decision.

Q: How does the pre-approval process function?

A: The pre-approval process typically unfolds in three steps: Step 1: Fill out a form to explore credit card offers without any impact on your credit. Step 2: Choose a tailored pre-approved card offer that aligns with your needs. Step 3: Provide any additional information and proceed with the application, resulting in a hard inquiry on your credit report.


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