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Here come the pre approvals...

Senior Contributor

Here come the pre approvals...

I haven't apped for anything since 08 August.

 

Util is creeping downward, nothing special.  FICO is creeping upward, no leaps or bounds.

 

Got a pre approval for First Premier last week...puke...still, it IS a pre approval. 

 

Got a pre approval today for Spring leaf financial...not going to bite, but it's another pre approval...



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
22 REPLIES
Established Member

Re: Here come the pre approvals...

Since my scores have gone up I am also getting a lot of pre approvals. Cap 1 keeps wanting me to buy a car....


Starting Score: 590
Current Score: TU 712 EQ 704 (both from myFICO)
Goal Score: 850


Take the myFICO Fitness Challenge
Valued Contributor

Re: Here come the pre approvals...

It's a good feeling sometimes to get them, shows your credit is improving! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Established Contributor

Re: Here come the pre approvals...

i got something from springleaf but i threw it away...bad news lol...and yeah cap one wants me to buy a car too...

Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Senior Contributor

Re: Here come the pre approvals...

Capital One DEF wants me to buy a car....up to $30,000! Haha :-P
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Contributor

Re: Here come the pre approvals...

I never get any preapprovals except BoA and subprime cards, but I usually get approved instantly for whatever I apply for.  I don't get how it works.

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Established Contributor

Re: Here come the pre approvals...


nickn86 wrote:

I never get any preapprovals except BoA and subprime cards, but I usually get approved instantly for whatever I apply for.  I don't get how it works.


Me too.  I always get approved instantly(except CASH+).   The funny thing is if I let a large(2-3K) balance report I will get better pre-approvals.  I think on their soft pulls they think I'm a credit deadbeat aka Large available CL but only a $100 reported balance.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Frequent Contributor

Re: Here come the pre approvals...


youngandcreditwrthy wrote:
Capital One DEF wants me to buy a car....up to $30,000! Haha :-P

Like, weekly!

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Valued Contributor

Re: Here come the pre approvals...


QAMngrGirl wrote:

youngandcreditwrthy wrote:
Capital One DEF wants me to buy a car....up to $30,000! Haha :-P

Like, weekly!


I mean its like every other day...NOOO I don't want to finance a 30k car with you Cap1 that is why I haven't responded to the 2000 mailers you have sent me.

ccpics2.jpg
Established Contributor

Re: Here come the pre approvals...

I probably need to wait til I get a years worth of history first to get some from subprime lenders. lol


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG