I wouldnt think to much on the sub prime mailers. I get them all the time from a place called "first premier" saying im pre approved for a card up to 1500 dollars. I havent had a card with a limit that low since I was 18. I also all the time get those cold calls form people saying Im pre approved to reduce all my high APR credit cards to below 6%. For fun I finally pressed one to talk to someone and see what they asked for. First thing was "what are your total outstanding bbalances and I just said "6-8 dollars maybe 9 dollars on a hard month" he was like "oh really, *click" haha. For what its worth I have never been pre approved for any card and still get approved when I apply.
Amex Platinum NPSL I Chase Sapphire Reserve 78K I Chase Freedom U 55k I JP Morgan Ritz 50k I B OF A Cash Rewards 50k I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Barclays Arrival+ World E 29k I Merril+ 27,800 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I NFCU Cash Rewards 8k
Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.
