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Established Contributor
zyzzus
Posts: 502
Registered: ‎10-22-2012

Am I pre-approved?

[ Edited ]

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom$2,100 | Chase Amazon$1,000 | Priceline Visa$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex$10,000 | CSP $5,000 | Sallie Mae $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500


 


Current Scores TU- 10/03/13 700 EQ-09/27/13 709 EX- 7/24/13 692

Established Contributor
zyzzus
Posts: 502
Registered: ‎10-22-2012

Re: Am I pre-approved?

lol that image is awful one second

 

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom$2,100 | Chase Amazon$1,000 | Priceline Visa$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex$10,000 | CSP $5,000 | Sallie Mae $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500


 


Current Scores TU- 10/03/13 700 EQ-09/27/13 709 EX- 7/24/13 692

Community Leader
Valued Contributor
myjourney
Posts: 23,641
Registered: ‎02-07-2013

Re: Am I pre-approved?

Lol Chase won't like that

Ha ha 

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it
Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: Am I pre-approved?

No cant see nothing :smileyvery-happy:

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Established Contributor
zyzzus
Posts: 502
Registered: ‎10-22-2012

Re: Am I pre-approved?


myjourney wrote:

Lol Chase won't like that

Ha ha 


lol

 

there is no BOA where I live at!  I opened an online account when I was in Chicago so I could get a coupon bonus O:-)

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom$2,100 | Chase Amazon$1,000 | Priceline Visa$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex$10,000 | CSP $5,000 | Sallie Mae $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500


 


Current Scores TU- 10/03/13 700 EQ-09/27/13 709 EX- 7/24/13 692

Frequent Contributor
mauwow0682
Posts: 279
Registered: ‎08-24-2010

Re: Am I pre-approved?

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.

Starting Score: 620 FAKO
Current Score: FICO TU 702 (wal-mart) FICO EQ 692
Goal Score: 700


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Established Contributor
zyzzus
Posts: 502
Registered: ‎10-22-2012

Re: Am I pre-approved?

I assumed that the pre-screened opt-out notice made it a pre-approval... I looked on the terms and conditions for the card and didn't see a pre-approved interest rate nor an opt out notice there.  Maybe ill call these jokers..

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom$2,100 | Chase Amazon$1,000 | Priceline Visa$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex$10,000 | CSP $5,000 | Sallie Mae $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500


 


Current Scores TU- 10/03/13 700 EQ-09/27/13 709 EX- 7/24/13 692

Community Leader
Valued Contributor
improvingmycredit
Posts: 1,326
Registered: ‎07-12-2011

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.

Hey mauwow0682!

+1.... check out the website and there is a pre-approval link.  Check to see if you are pre-approved for any of their cards there.  :smileyhappy:  Good advice!  

 


Starting Score: 642
Current Score: EQ 774, EX 780, TU 798 (All FICO)
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Valued Contributor
indiolatino61
Posts: 1,429
Registered: ‎11-10-2012

Re: Am I pre-approved?

Someone posted here once that BOA states your name, such as, "Joan, this offer has been found for you," or something like that. If it does not state your name, it is just an offer. Correct me if I am mistaken.

 photo Logo-CreditCardCollection_zps2f177769.jpgWmart (TU): 802, Disc it (TU): 800, CKarma (TU): 767, AmEx (EX): 755, CSesame (EX): 710, Quizz (EQ): 778, myFICO (EQ): 770.
Oldest: AmEx: 26Y-2M, AAoA: 6Y-1M, Utl: 0.81%, 12/24 Inq: 5/15, Income: $99k, Garden: 03/30/2014. Updated 04/22/2014.
Super Contributor
enharu
Posts: 6,828
Registered: ‎02-27-2013

Re: Am I pre-approved?

most of the time a pre-approval has the following:

1. your name, and other basic info such as address.

2. invitation code to apply (if you got it in the mail).

3. what your exact APR is going to be (for credit cards).

4. opt-out option

 

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