Discover has a preapproval process that will get you an answer in just a few minutes. Preapproval doesn’t require a hard inquiry on your credit report and therefore won’t hurt your credit score, so there’s no harm in checking. If you’re not preapproved, you save yourself from a hard inquiry that lowers your credit score. To start the preapproval process, fill out the online form and select a customized preapproved credit card offer. If preapproved, add any other information required to receive final approval. Bear in mind: Discovery states that preapproval does not guarantee final approval.