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B of A

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Imhotrodcrazy
Valued Contributor

B of A

I received a  "prescreened"  offer in the mail yesterday for the 3-2-1 card.  I know that prescreened  doesn't mean anything usually,  but this one stated  0 apr for 12 months and then 14.99%  thereafter,  not a range in the interest rate.    Is this there way of giving an approval,  just curious. 

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15
Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: B of A


@Imhotrodcrazy wrote:

I received a  "prescreened"  offer in the mail yesterday for the 3-2-1 card.  I know that prescreened  doesn't mean anything usually,  but this one stated  0 apr for 12 months and then 14.99%  thereafter,  not a range in the interest rate.    Is this there way of giving an approval,  just curious. 


If it is a set APR then it is solid.  But remember, if anything changes in your credit profile from when the offer was generated you may get denied as no pre-approval is set in stone.

Message 2 of 4
baller4life
Super Contributor

Re: B of A

Yep. Set apr, you're golden! Smiley Happy
Message 3 of 4
Imhotrodcrazy
Valued Contributor

Re: B of A

Yes,  I know that a set apr is pretty much a sure thing but they confused me with the "prescreened"  wording.  Thanks to you both for your input. 

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15
Message 4 of 4
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