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@Anonymous wrote:
Actually they are sending me a letter as usual. But my fico scores it looks wasn't dinged maybe they saved me the pull.
Let's hope! 3 dings for a denial is a lot of inquiries to stick around for 24 more months. Hopefully they just blocked the app internally before underwriting software pulled your CRs again.
@Anonymous wrote:
Another offer which is the premium card. Should I apply? Is it guaranteed
They did the same thing to me, or for me I should say. When I 1st started with a 500 QS, they said I was pre qualified for the other one...I took the bait and was approved for 900 on the Platinum......all in the same day.
The rule for all denials is to recon UNLESS they will do another hard inquiry.
Never hurts to call the EO themselves and ask "Why did you send me an approval with my new card if you were going to deny me?"
Yep, be nice with them. If they can't approve you, ask them if they did any hard inquiries and if so, ask them to remove them since you were under the impression you were preapproved by their mistaken offer.
Don't push it too hard, either way.