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How come I don't have any Pre-approvals?

Contributor

How come I don't have any Pre-approvals?

I am not getting any Pre-approvals on the mail. I had a app spree in June and got about 4 new cards. I am wandering how come cc company are not offering me anything. My FICO says my score is 639.
Message 1 of 12
11 REPLIES
Frequent Contributor

Re: How come I don't have any Pre-approvals?

Consider yourself lucky. The only offers I got when my score was in your range were for 36% APRs and $175 annual fees. I'll leave the name of the company as an exercise for the reader.

 

But if you're seriously wanting more offers, head to optoutprescreen.com and complete the application to opt IN for prescreened offers.

Message 2 of 12
Valued Contributor

Re: How come I don't have any Pre-approvals?

Real pre-approvals that you want to see come at the 690+ at 630's you would be lucky to get CapOne, or much worse. don't worry fingerhut and friends will be filling your mailbox by christmas. 

 

 

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 3 of 12
Valued Contributor

Re: How come I don't have any Pre-approvals?


jamesdwi wrote:

Real pre-approvals that you want to see come at the 690+ at 630's you would be lucky to get CapOne, or much worse. don't worry fingerhut and friends will be filling your mailbox by christmas. 

 

 

 

 


+1. Maybe you don't qualify for any right now? With those scores, you probably won't be pre-approved for much (other than perhaps subprime lenders like FP).

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 4 of 12
Contributor

Re: How come I don't have any Pre-approvals?

I must had a 690 because I got a base signature with a 5,000imit, target 1,000. How long before score in ease after 6 months of paying onyime and low utilization
Message 5 of 12
Contributor

Re: How come I don't have any Pre-approvals?

LMAO about the Fingerhut and friends comment. Classic.

EX: 750 (05/2015) | EQ: 765 (5/2015) | TU: 765 (5/2015)

Barclays World MasterCard CL: $19K
Capital One MasterCard CL: $3.9K (sock drawer)
CHASE Sapphire Preferred Visa Sig CL: $20K
JPM Ritz Carlton Visa Sig CL: $20K
Inquiries: 1 (EX) 0 (TU) 0 (EQ)
Message 6 of 12
Senior Contributor

Re: How come I don't have any Pre-approvals?

The average credit score is around 723. When your score goes up, there will be more pre-approvals and offers.

 

If "base credit" is a military thing, there's your explanation. Some places are just very generous to rebuilders. Recently, someone unable to get a secured card posted about a $4KCL from NFCU.

 

Really forgiving places are great for rebuilding and help with utilization but don't change how our credit is viewed by typical lenders. Smiley Happy


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 7 of 12
Valued Contributor

Re: How come I don't have any Pre-approvals?

drkaje, absolutely correct!!!!!!

 

+1+1+1+1

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 8 of 12
Blogger

Re: How come I don't have any Pre-approvals?

I can send you all of mine if you want.

I just use them to throw at random possums crossing my front yard.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 9 of 12
Established Contributor

Re: How come I don't have any Pre-approvals?

When I had those scores i was getting horrible offers.  Bump your scores up and don't bite when you get those finger hut offers.

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 10 of 12