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Established Contributor
Breakthecycle2
Posts: 786
Registered: ‎09-15-2008
0

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.


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Current Score: 690
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Epic Contributor
Creditaddict
Posts: 21,489
Registered: ‎10-23-2007
0

Re: Credit card prequalifiers??

they forgive once like capital one.

you might be good.

Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
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Regular Contributor
torry209
Posts: 182
Registered: ‎05-27-2008
0

Re: Credit card prequalifiers??

I think you are good. 

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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
jmbfl
Posts: 1,185
Registered: ‎03-04-2008
0

Re: Credit card prequalifiers??

Sounds good to me! Time to forge on!
Established Contributor
Breakthecycle2
Posts: 786
Registered: ‎09-15-2008
0

Re: Credit card prequalifiers??

Really? You think I should apply?

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Established Contributor
Breakthecycle2
Posts: 786
Registered: ‎09-15-2008
0

Re: Credit card prequalifiers??

I need some encouragement! I petrified to get declined!


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Current Score: 690
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Valued Contributor
wmarat
Posts: 1,754
Registered: ‎11-03-2007
0

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.

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