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Regular Contributor
Posts: 144
Registered: ‎07-21-2012
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Re: How come I don't have any Pre-approvals?

[ Edited ]

About two weeks ago I used the opt-out number to get myself opt-out for 5 years. Right now I'm more than good with the Freedom and Amex BC to last me another few years. I got both of these cards with about 1.2 years of credit history. My luck might have ran out applying for Cap1 PP card. Oh well I think I need to garden for a year away. 

 

Sometimes it's better not to get these things in the mail because it can temp you into applying for cards you don't need. And with 4 cards your better off not getting them.

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
In my wallet:  $16,000  $8,000
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: How come I don't have any Pre-approvals?


praise123 wrote:
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.

You've just taken a score hit due to inqs and new accounts showing on your reports. I would concentrate on letting those four cards age and waiting for your scores to rise. I wasn't getting very good offers when my scores were comparable to yours. It's only been in the last few months that I've started to receive offers from better lenders. Right now, gardening is your best friend.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
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