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Credit card prequalifiers??

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Breakthecycle2
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


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Message 1 of 7
6 REPLIES 6
Creditaddict
Legendary Contributor

Re: Credit card prequalifiers??

they forgive once like capital one.

you might be good.

Message 2 of 7
Anonymous
Not applicable

Re: Credit card prequalifiers??

I think you are good. 
Message 3 of 7
jmbfl
Valued Contributor

Re: Credit card prequalifiers??

Sounds good to me! Time to forge on!
Message 4 of 7
Breakthecycle2
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
Message 5 of 7
Breakthecycle2
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
Message 6 of 7
wmarat
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.
Message 7 of 7
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