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Question By
Yoko88

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Applying for credit cards
I've been offered by mail for credit card by Discover and Bank of America. My credit scores are: TU 721, EQU 718. Would like to know is signing up on line be better than signing up by mail.

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Before you go too far ahead, read the mailer closely, pay particular attention to its interest rates, dose it shows a specific/set interest rate (with BofA) or range of rates? With Discover, if it shows range of rate with-in 3%? That means it's targeted offer, you would have better chance of actually getting it. If both mailer stated large interest rate spread?  Then it's pretty much just a general marketings. You can go to Discover pre-qual site and put Mickey Mouse and SSN of 1234 and see what pops up... It makes little to no difference in which way you apply, it still base off your credit profiles.

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Reply by
JohnnyRain127

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Many people have better luck when applying in the branch for Chase, some even got around its 5/24 rule by applying in the branch.

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I bet there is no difference. It would be interesting to hear some expert though.

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