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Contributor
praise123
Posts: 108
Registered: ‎06-24-2012
0

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.
Frequent Contributor
SwampSystems
Posts: 358
Registered: ‎06-25-2012
0

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.

Valued Contributor
jamesdwi
Posts: 1,949
Registered: ‎09-16-2011
0

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 & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
0

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

[ Edited ]

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).

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Contributor
praise123
Posts: 108
Registered: ‎06-24-2012
0

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
Contributor
surfnspy
Posts: 84
Registered: ‎06-17-2012
0

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

LMAO about the Fingerhut and friends comment. Classic.


BARCLAYS FICO 750 (1/2014)

Barclays Rewards World Mastercard $11k
Capital One (via HSBC) Mastercard $400
Gardening until 07/2014
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

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. :smileyhappy:


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


Take the FICO Fitness Challenge
Valued Contributor
GoodCredBen
Posts: 1,533
Registered: ‎10-25-2011
0

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

drkaje, absolutely correct!!!!!!

 

+1+1+1+1

----- IF you find my post helpful, Select the star in the KUDOS button! :smileyhappy:
Starting Score: 512 10/2011 Current Score: EQ: 686 | TU: 689 | EX: 661
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $1750
Gardening Since: 6/1/2014
May the debt elimination begin! 9680/27150
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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
0

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)

Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
0

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

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