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Credit card prequalifiers??

Established Contributor

Credit card prequalifiers??

So I keep trying to see if they prequalify me for an HSBC or Orchard CC. It always gave me the option for Secured. Now I did them again and I was prequalified for an Orchard Gold and HSBC card. I knwo this doesn't mean approved, but do I have a good chance? I had a household/Orchard CC charge off a few years ago but was paid.


Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
6 REPLIES
Epic Contributor

Re: Credit card prequalifiers??

they forgive once like capital one.

you might be good.

Regular Contributor

Re: Credit card prequalifiers??

I think you are good. 

FAKO's:
02/19/2009- TU 709 , EX 684, EQ 694

UTL 34.33% (working on that) Credit History 1 1/2 yrs old And just got a car loan that has yet to report. Ugh, letting credit cool down for the rest of the year.
Valued Contributor

Re: Credit card prequalifiers??

Sounds good to me! Time to forge on!
Established Contributor

Re: Credit card prequalifiers??

Really? You think I should apply?

Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Established Contributor

Re: Credit card prequalifiers??

I need some encouragement! I petrified to get declined!


Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Highlighted
Valued Contributor

Re: Credit card prequalifiers??

When I check BOA preapproval I qualify only for secured card. When I visit a BOA branch I am always offered some 0% BT card.

 

So, IMO, those preapprovals are very unreliable. If I were you I would wait. JMO.

 

Anyway, good luck.

IN VINO VERITAS.