Bank of America Cash Rewards preselected offer

[LipzyDaizy]

I've recieved two of these in the last 2 months and I was wondering how accurate these offers are.  It has the Opt-out notice and Preselected offer Minimun Terms that states "This Preselected offer is part of a firm offer or credit." 

I know preselected, preapproved, prequalified doesn't guarantee approval but I was just curious.  I'm not planning on apping for anything anytime soon but I like having options and good odds when the time comes to app again. 

[antdave93]

I was sent one of those as well, at first said nah, then said what the heck!

approved for 1800, funny thing is i was denied 7 months ago. go figure.

[Rain77]

I was approved using preselected offer after being denied 3 months prior.  

[j_casteel]

Whats your credit file like? Chances are usually decent with targeted offers.

[LipzyDaizy]

---

@j_casteel wrote:

Whats your credit file like? Chances are usually decent with targeted offers.

---

I have 2 unpaid collections that I'm trying to pfd but I haven't heard anything from the CA yet.  Current scores in my sig.

My current cards

 Capital One Secure-$500 (closing this month)

 Wells Fargo (graduated this month)-$1000

 USAA Amex-$2000

 NFCU goRewards-$7500

 Chase Freedom-$2200

 Sportsmans Guide Visa-$4000

 Total Rewards Visa-$8000

 Discover IT-$2200

 Hawaiian Airlines WEMC-$2000

 Amex Gold-NPSL

 Victorias Secret-$750

All accounts are current and util usually kept at 1-2%.  The only balances I carry are on the cards that still have 0% apr.  I started rebuilding exactly a year ago today so I get pretty excited whenever a preapproval shows up in the mailbox.  lol 

[j_casteel]

---

@LipzyDaizy wrote:

---

@j_casteel wrote:

Whats your credit file like? Chances are usually decent with targeted offers.

---

I have 2 unpaid collections that I'm trying to pfd but I haven't heard anything from the CA yet.  Current scores in my sig.

My current cards

 Capital One Secure-$500 (closing this month)

 Wells Fargo (graduated this month)-$1000

 USAA Amex-$2000

 NFCU goRewards-$7500

 Chase Freedom-$2200

 Sportsmans Guide Visa-$4000

 Total Rewards Visa-$8000

 Discover IT-$2200

 Hawaiian Airlines WEMC-$2000

 Amex Gold-NPSL

 Victorias Secret-$750

All accounts are current and util usually kept at 1-2%.  The only balances I carry are on the cards that still have 0% apr.  I started rebuilding exactly a year ago today so I get pretty excited whenever a preapproval shows up in the mailbox.  lol 

---

What's your AAoA? How recent are your cards? Your EX is borderline low for BoA IMO, but YMMV. 

[injustifiiable]

They will at least give you $500 if not more.

I had a similar EX score and a few more baddies when they approved me. I also bank with them so not sure if that had helped or not. They also gave me one of my highest limits too.