If it's me, I would respond to the offer. Considering the upcoming 5% category in online shopping, the card could come timely. If you wait you would miss the coming quarter.
Shawn wrote:Does that mean Discover wants me?
The prescreened offer does not necessarily mean Discover wants you, it's essentially advertisement. However, you receive the offer because you do have passed some kind of filter so you meet certain criteria in credit rating. The prescreening is not a complete review of your credit file.
Shawn wrote:I know I've recently read about people applying with new thin files to Discover, and Discover giving them decent credit lines.
One of my friends got Discover as his first credit card, prior to which he had no credit history of any sort. That guy got $500, though.