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Am I pre-approved?

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zyzzus
Established Contributor
‎05-04-2013 10:33 PM
‎05-04-2013 10:33 PM

Am I pre-approved?

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000

Message 1 of 14
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zyzzus
Established Contributor
‎05-04-2013 10:34 PM
‎05-04-2013 10:34 PM

Re: Am I pre-approved?

lol that image is awful one second

 

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000

Message 2 of 14
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myjourney
Super Contributor
‎05-04-2013 10:34 PM
‎05-04-2013 10:34 PM

Re: Am I pre-approved?

Lol Chase won't like that

Ha ha 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 14
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zerobacan
Established Contributor
‎05-04-2013 10:37 PM
‎05-04-2013 10:37 PM

Re: Am I pre-approved?

No cant see nothing Smiley Very Happy

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 4 of 14
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zyzzus
Established Contributor
‎05-04-2013 10:39 PM
‎05-04-2013 10:39 PM

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- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000

Message 5 of 14
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mauwow0682
Frequent Contributor
‎05-04-2013 10:46 PM
‎05-04-2013 10:46 PM

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 715 (wal-mart) FICO EQ 692
Goal Score: 700

Take the FICO Fitness Challenge
Message 6 of 14
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zyzzus
Established Contributor
‎05-04-2013 10:48 PM
‎05-04-2013 10:48 PM

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- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000

Message 7 of 14
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improvingmycredit
Valued Contributor
‎05-04-2013 11:19 PM
‎05-04-2013 11:19 PM

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.  Smiley Happy  Good advice!  

 

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+
Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K
Message 8 of 14
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indiolatino61
Valued Contributor
‎05-04-2013 11:21 PM
‎05-04-2013 11:21 PM

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 - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Message 9 of 14
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enharu
Super Contributor
‎05-04-2013 11:40 PM
‎05-04-2013 11:40 PM

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

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 10 of 14
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