Unless something has drastically changed on your reports very recently, in my experience the BOA, Chase and Citi prequals are rock solid. For Citi, I had a preapproval for a lot of their cards and in November I took them up on the Diamond Preferred for the 21 month 0% BTs. (I am an AU on my wife's Double Cash, which we actually did a PC from Diamond Preferred about 9 months ago.) I did get the same 12.24% in my prequal, but the SL was fairly average ($5600).
There is really good advice in this thread about waiting for better offers, but if you don't think your reports will merit significantly better options in the amount of time you want to wait, go for it. We always just used my wife's DP for BTs, so didn't notice that the APR crept up to something like 25.24% along with the balance chasing during the credit crunch. We asked if there were any APR reduction offers available for the account by chat every 48 hours and got a 2% reduction 5 times in a row and another 1% 2 days after that 5th one to 14.24%. Stopped asking there, but this was a great tactic learned from this board and something to keep in mind if you do want to grab the card now.
I have had zero luck with the Citi's pre-approval site. You could take it or not and garden for another 6 months to a year.
12/27/16 - Eq683 TU666 Ex681 04/05/17 Eq742 TU763 Ex757