How come I don't get any pre-approval letters?

[JayRizzo]

I'm sure you know this already about HSBC, but I believe their pre-qualify is very detailed so there's a lot more than the usual score that's being evaluated.  I believe many have tested this and has shown to be income and/or residential specific -- I'm not 100% sure how it went without spending a little time searching again.  Example: Rent vs. Own, plus the monthly amount being paid compared to your income you've entered.  It's basically tricking the system to change the outcome.

Same with Capital One's pre-qualify... if you select Average Credit, then you will get their low-limit tier of cards.  If you select Excellent Credit, then it will display their higher tier cards. 

Again, these are pre-qualify -- not guaranteed approvals.

[Anonymous]

I say their pre-app system goes foofie from time to time. I would some times qualify for all of their cards then the next day, only secured card...

[JayRizzo]

Yep, I heard about that also. 

[Imua]

 lately i've been getting pre-approval offers for discover about every other week (seems it used to be every few months before this recent spate)

[sleephla541]

That's ridiculous.   What's your util like? 

 I just opted out before closing my mortage on 03/24 so I'd imagine once I opt back in about closing, I'll get some. 

[thrasher865]

You'll probably get all kinds of crap anyway, because of the mortgage reporting.

It takes several weeks/months for you to start getting offers once you opt back in.

[vish1]

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@Anonymous wrote:

OP:

If you want, here's a few links to pre-selector apps...its a soft pull. Who knows

HSBC: https://www.hsbcapply.com/start/householdbank

Capital One: https://cardfinder.capitalone.com/CapOne/findMyOffer.do?ex=R&pr=&id=&tg=2&pnt=ZZZZ03ZZZZZZZZZZZZZZ

Discover': https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/findMyOffer?icmpgn=1007_ccMORE_pre_chk_btn

BofA: https://preselected.bankofamerica.com/cc/SelfInquiry.aspx

Citi: https://www.citicards.com/cards/acq/dirMailInvitation.do?screenID=4010

Amex (Click NOT a card member yet): https://www201.americanexpress.com/secure/my-special-offers?btct=AMEX_APPLY_Main_SJ_N1_Bucket_ultimatePerfectCards:Targeted&ct11=AMEX_APPLY_Main_SJ_N1_Bucket_ultimatePerfectCards

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Citi link is for invites, not for pre approval

BofA wont do pre approvals anymore (gone for years)

[haulingthescoreup]

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@Anonymous wrote:

I say their pre-app system goes foofie from time to time. I would some times qualify for all of their cards then the next day, only secured card...

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Love the techie talk.

But I agree about the foofie-ness, and I've seen it on other sites, too. It's always fascinating to see what, if anything, AmEx is offering me. I would say that it varies by the phase of the moon, but it seems even more random than that.

[JayRizzo]

I never really heard or seen anyone opt back in before... hummm, just curious how that works?!?  Meaning, I've never seen an opt-in option before. 

[Anonymous]

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@JayRizzo wrote:

I never really heard or seen anyone opt back in before... hummm, just curious how that works?!?  Meaning, I've never seen an opt-in option before. 

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You can opt-out or in at the same place: Opt-Out (or in) Pre-Screen