10-09-2008 07:46 PM
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.
10-09-2008 10:07 PM
10-10-2008 08:04 PM
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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO