lobbythis wrote:Good call. I always tested it before I applied to see if it ever would offer anything different. I knew it was BS, but d*mn, any fake name and number works? Snakes in the f*cking grass, they are.
It will show the "you" with a fake name has an offer of blah blah blah, so with any name it "works"!
But I would regard this as any real name and SSN doesn't work. For prequalification it doesn't work. If you proceed to apply following the "offer" they provided, just go to the card disclosures and try to look for prescreen and opt-out notice and you can't find that, so that's not a preapproved offer.
Their site can be very misleading to some people, as it does pop up the offer for the person while never mentioning if it is preapproved. I believe on this and other forum there have been people complaining about they applied for "preapproved" offers from Discover and got declined.
popamode72 wrote:I tested out Discover's prequalification page and got the same results after putting a fake name and SSN. I did the same thing months ago. Very unreliable prequalification system.
Because it doesn't seem to behave like a prequalification system at all.
popamode72 wrote:The only real prequalifications I've ever gotten have been with Credit One. Glad I never took any of their garbage offers.
Credit One turns out to be a real prequal, but stay as away as possible from them unless you want to get charged interest like cash advance.
It appears that people above a certain number of credit score will get a straight decline for the preapproval. Credit One just seemed to be afraid to people with excellent credit. Well, at least they seem to know how crap their offer is.