04-10-2009 11:24 PM - edited 04-10-2009 11:51 PM
04-11-2009 03:52 AM
04-11-2009 09:39 AM
04-11-2009 10:32 AM
04-11-2009 01:17 PM
What's different is that I used to get the same offer for the 300-3000 cards no matter what level of credit I defined (excellent, good, average, etc) and I believe, if I recall, others had the same experience. I know get different (or no) offers depending on level of credit I define. I to agree, from what I have read, that the Cap1 prequal is not a good indicator of actually being approved.
I *think* they just check their internal system to see if they have ny already selected cards for you. Like they may have a list of folks they've already softed previously and have their info. in their database. Otherwise, I think it's def. a crapshoot. They aren't pulling your credit on the site to determine if you are eligible and you could still be declined if you apply.
Did it specifically tell you that that they have an "offer" for you or does it mutter something about not locating any preselected offers for you but the card(s) below may be suitable for you, yada, yada?
05-03-2009 08:55 PM
05-04-2009 02:03 PM
I think I've read that HSBC has a prequalify site, but I haven't a clue.
Pretty sure I've read that only Cap One, BofA, and HSBC have any kind of preapproval site.
05-04-2009 04:38 PM
Thank You Unfortunately, we are unable to provide you with any special online preapproved credit card offers at this time. However, you can still take advantage of other Bank of America offers below.