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Mega Contributor
LS2982
Posts: 15,434
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.




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Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Established Contributor
TiggerDat
Posts: 1,039
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. 



Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!
Established Contributor
zyzzus
Posts: 539
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 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

Established Contributor
TiggerDat
Posts: 1,039
Registered: ‎10-15-2011
0

Re: Am I pre-approved?

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



Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!

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