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Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
0

FIRST pre-approved offer EVER!

I don't know - kind of an exciting moment for me when I got my mail and noticed my first ever pre-approval letter. It was for the Citi Simplicity card. I was interested in a Citi card because you can often get concert/events tix pre-sales and have a chance to get better seats.............. but I think I've done enough damage the past few months and will ignore it.... but it was still nice to get! :smileyhappy:

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Established Contributor
Posts: 620
Registered: ‎05-09-2009
0

Re: FIRST pre-approved offer EVER!

Sure is a nice feeling to get those preapproval solicitations. Congrats on your recent success!

Current Score: EQ: 807 TU: 811 EX: 813 (Fico) 8/14
Goal Scores: 760 Across all 3-Finally


Citi TY Premier 36k| Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| CapOne 15K|Chase Freedom VS 19.3k|Citi Dividend WMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Sams Discover 10k|Chase IHG Select Visa 26k|Macys 5k|Sams MasterCard 10k|Barclay Arrival Plus WEMC 10k|Chae IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k
Established Contributor
Posts: 761
Registered: ‎08-02-2008
0

Re: FIRST pre-approved offer EVER!

Same thing just happened to me (first preapproval ever) but it was for the Home Depot store card lol. Fun times.

FICO: EX: 743 (10/14); TU: 758 (9/14); EQ 721 (9/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 3 | Citi X 7 | DCU X 1 | Discover X 1 | Fidelity X 1 | Fifth Third X 1 | Macys X 1 | PenFed X 1 | PSECU X 1 | Sams Club MC X 1 | Target RedCard X 1 | USAA X 2 | US Bank X 1 | Walmart X 1 | Wells Fargo X 1 = 36 Cards

Holding off apps until the end of the year! Wish me luck!
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: FIRST pre-approved offer EVER!

+1  Only get the ones you will use.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: FIRST pre-approved offer EVER!

Congrats!! This is why I am opted out. My husband is not opted out and he gets weekly offers for cap 1 and credit one.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
0

Re: FIRST pre-approved offer EVER!


jd5189 wrote:

I don't know - kind of an exciting moment for me when I got my mail and noticed my first ever pre-approval letter. It was for the Citi Simplicity card. I was interested in a Citi card because you can often get concert/events tix pre-sales and have a chance to get better seats.............. but I think I've done enough damage the past few months and will ignore it.... but it was still nice to get! :smileyhappy:


Congrats on your recent success!

 

Give it 6 months and give Citi a shot!!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
Posts: 49
Registered: ‎11-02-2012
0

Re: FIRST pre-approved offer EVER!

I just added myself back to the list to get pre approvals lol.

In my wallet: Discover More $11,300 11/2/12 | Chase Freedom $500 11/8/12

Initial 10/14/12 (Free Score): TU 621 /EQ 621 /EX 618
Current: 1/13/13 (Free Score): TU 708 /EQ 677 /EX 698
Initial EQ FICO: 670 11/2/12
Current EQ FICO: 698 1/13/13

Established Contributor
Posts: 651
Registered: ‎08-07-2012
0

Re: FIRST pre-approved offer EVER!

Nice offer! Put it to the side and give your self a few weeks to think it over.In any case congrats!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured

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