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Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

ITS GETTING CRAZY, 4TH PRE-APPROVAL!!

I'm getting pre-approvals every other day.Before one month ago I wasn't getting a look from anyone but now the pre-approvals are coming in a steady stream.Today I received a pre-approval from some horrible bank called MerrickBank. Obviously its going into the shredder but all this new activity does make me hopeful that Discover Card or CitiBank might knock on my door very soon.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011

Re: ITS GETTING CRAZY, 4TH PRE-APPROVAL!!

Let's hope so.:smileywink:


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: ITS GETTING CRAZY, 4TH PRE-APPROVAL!!

+1

Valued Contributor
creditnocash
Posts: 2,175
Registered: ‎07-23-2012

Re: ITS GETTING CRAZY, 4TH PRE-APPROVAL!!

cap one has sent me like 7 pre-approvals in the past couple months... 

first for annual fee card 

and then no annual fee with a higher limit whatever that meant. 

 

im happy with my zync and freedom especially with my aaoa so low now. 

at least in the next couple years if i app for anything non amex my aaoa will take less of a hit with 10 cards vs 3

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

Re: ITS GETTING CRAZY, 4TH PRE-APPROVAL!!

[ Edited ]

JusdoNit wrote:

Let's hope so.:smileywink:


Obviously I'm on some list of potential applicants.I wonder how they decide who should be picked to be a card holder? My score is not any different but I do now have an Auto lease and a Freedom card showing on my credit file.I'm curious whether the Auto Lease or the Chase Freedom card carry more weight in making me more acceptable for new credit?

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Valued Contributor
creditnocash
Posts: 2,175
Registered: ‎07-23-2012

Re: ITS GETTING CRAZY, 4TH PRE-APPROVAL!!


MountainHiker wrote:

JusdoNit wrote:

Let's hope so.:smileywink:


Obviously I'm on some list of potential applicants.I wonder how they decide who should be picked to be a card holder? My score is not any different but I do now have an Auto lease and a Freedom card showing on my credit file.I'm curious whether the Auto Lease or the Chase Freedom card makes carry more weight in making me ore acceptable for new credit?


i cant say exactly which but since i got my installment loan for my car the pre approvals have been rolling in. 

then again could be the amex :smileywink:

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

Re: ITS GETTING CRAZY, 4TH PRE-APPROVAL!!


creditnocash wrote:

MountainHiker wrote:

JusdoNit wrote:

Let's hope so.:smileywink:


Obviously I'm on some list of potential applicants.I wonder how they decide who should be picked to be a card holder? My score is not any different but I do now have an Auto lease and a Freedom card showing on my credit file.I'm curious whether the Auto Lease or the Chase Freedom card makes carry more weight in making me ore acceptable for new credit?


i cant say exactly which but since i got my installment loan for my car the pre approvals have been rolling in. 

then again could be the amex :smileywink:


It would be interesting to know which has more impact on the decision of credit card companies.Do they want us because Chase or Amex have us? Or do the new credit offers stim from the bigger investment ie auto payments. I wonder!!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011

Re: ITS GETTING CRAZY, 4TH PRE-APPROVAL!!

Just one of those things that make you scratch your head, hmmmmmmmmm:smileyvery-happy:


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Established Contributor
adavis425
Posts: 512
Registered: ‎02-14-2012

Re: ITS GETTING CRAZY, 4TH PRE-APPROVAL!!


MountainHiker wrote:

I'm getting pre-approvals every other day.Before one month ago I wasn't getting a look from anyone but now the pre-approvals are coming in a steady stream.Today I received a pre-approval from some horrible bank called MerrickBank. Obviously its going into the shredder but all this new activity does make me hopeful that Discover Card or CitiBank might knock on my door very soon.


Not encouraging you to app if that's not your plan, but I have had a Merrick Visa since 2007 and it is a good grower. Auto-CLI like clockwork every 4 months. Downside is that I can't pay my AF in one lump sum so I pay $3 a month. Am closing the card because of it...well, that and I want to replace it with Discover More.

 

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM Discover | Discover it | JCP


Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

Re: ITS GETTING CRAZY, 4TH PRE-APPROVAL!!


adavis425 wrote:

MountainHiker wrote:

I'm getting pre-approvals every other day.Before one month ago I wasn't getting a look from anyone but now the pre-approvals are coming in a steady stream.Today I received a pre-approval from some horrible bank called MerrickBank. Obviously its going into the shredder but all this new activity does make me hopeful that Discover Card or CitiBank might knock on my door very soon.


Not encouraging you to app if that's not your plan, but I have had a Merrick Visa since 2007 and it is a good grower. Auto-CLI like clockwork every 4 months. Downside is that I can't pay my AF in one lump sum so I pay $3 a month. Am closing the card because of it...well, that and I want to replace it with Discover More.

 


Hopefully we both will get the knock on the door from Discover. You know, I would actually open the door for CitiBank if they came a-calling.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured

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