Cap One Prequalifier Reliability?

[mross1080]

I did it the first time because I already had my Exp frozen because it was my only not clean report and I wanted AMEX to pull another when I applied ( Didnt work, they called me and asked for the pin to pull Exp. Only amex) so I figured I only had to pay to freeze one more and give it a try and it did. I was pretty suprised myself. I had been trying to get in with them for a while. I burned them 10 years ago and I guess they were a little bitter about it. I left them frozen and 61 days later I apped for another and was instant approved again. Oh. and I had EX and TU frozen for the 2 app's.

[MrShush]

I'm uber hesitant to apply for anything. I just got a CLI on Discover and a BT with a $3500 CLI on my Sovereign Bank World MC (FIA). I don't want to rock any more boats.

[mross1080]

I agree. It's nice to see a pre-approval for a top card but I dont think is worth possible AA over cap one.

[haulingthescoreup]

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@MrShush wrote:

I'm uber hesitant to apply for anything. I just got a CLI on Discover and a BT with a $3500 CLI on my Sovereign Bank World MC (FIA). I don't want to rock any more boats.

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You're now in the position where you can just save and admire your preapprovals. Sort of the credit equivalent of frat boys (and others) stacking beer cans in their windows.

I have quite a collection of Citi pre-approvals on hand. They fascinate me, as Citi (via Sears MC) is the only bank that I've ever been exasperated by on a continual basis.

[MrShush]

You certainly have a great way of putting things in perspective, HTSU!

I haven't gotten many preapprovals lately, however. A PNC HELOC for "no less that $5000"--that one struck me because I have no relationship with them and they keep mailing me these 'guaranteed' preapprovals. But I think that's about it. I really want a PENFED AMEX but I get no love there.

Citi, they sent me some preapproval to apply nonsense for the Forward card but they just closed 2 unused lines on me and won't touch my DP AMEX's credit line. I guess I'm sour on them right now too. 

End of rant.