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Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: Am I pre-approved?


mauwow0682 wrote:
Those are just offers. However BofA does have a pre-approval offer area in the credit cards section. Give that a shot! That's how I got my 123.

I agree, check out the pre approval CC link and if its there its a preapproval.




EQ FICO 548 3/3/16
Valued Contributor
Posts: 1,484
Registered: ‎10-15-2011
0

Re: Am I pre-approved?

The BofA website does not in any aspect prequalify you.  According to the representative that I just made sure I got the most correct information from this is a fact.  It does not do a soft pull on your credit report.  It merely recommends a card for you, nothing else.  Trust me I exhausted every aspect of questioning the person to make certain of the facts.  He talked around it for so long I had to demand he stay with me and simply answer the questions with a yes or no.  He didn't do that too well, but I did eventually get him to and then I reverified it a few times.  He certainly tried as hard as he could to retain a sale out of me and get me to think less than reality on the truth of the matter.

 

But he assured me it helps the customers choose the right card for their needs.  While it does not in any manner check the credit report until the actual application is submitted. 


I swear I am going right to the Garden...... Hopefully to stay there longer than a month this time......
Established Contributor
Posts: 560
Registered: ‎10-22-2012
0

Re: Am I pre-approved?


bernhardtra wrote:

The BofA website does not in any aspect prequalify you.  According to the representative that I just made sure I got the most correct information from this is a fact.  It does not do a soft pull on your credit report.  It merely recommends a card for you, nothing else.  Trust me I exhausted every aspect of questioning the person to make certain of the facts.  He talked around it for so long I had to demand he stay with me and simply answer the questions with a yes or no.  He didn't do that too well, but I did eventually get him to and then I reverified it a few times.  He certainly tried as hard as he could to retain a sale out of me and get me to think less than reality on the truth of the matter.

 

But he assured me it helps the customers choose the right card for their needs.  While it does not in any manner check the credit report until the actual application is submitted. 


I believe this to be correct information as I checked all of my reports and didn't see a soft from BOA at all.

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $9,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $15,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000

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Valued Contributor
Posts: 1,484
Registered: ‎10-15-2011
0

Re: Am I pre-approved?

Which is only one reason I avoid them!  Even though I have others.


I swear I am going right to the Garden...... Hopefully to stay there longer than a month this time......

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