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Regular Contributor
msheresy
Posts: 124
Registered: ‎05-21-2008

Is this a PreApproval?

Is this a preapproval or just an offer to apply??

 

I shop at Kroger (grocery store) and they offer the 1-2-3 Rewards Mastercard.  They didnt always offer this card but its been several years.  Well, two times recently when I've checked out, on the bottom of my reciept it prints out and says:

 

Complete Items in Bold and take to customer service  to apply for the 1-2-3 Rewards master card

date

store#

register#

Cashier#

Div Code#

 

------------------Credit Card App--------

 

Name

Address

Primary Phone Number

DOB

SSN

 

 

You get the idea.  Anyway, I have never recieved a preapproval at a store of any kind so I wasnt sure what to look for.  Also, does anyone have this card? 

Established Contributor
Donks3369
Posts: 514
Registered: ‎07-01-2008

Re: Is this a PreApproval?

Msheresy,

 

This just looks like an offer to apply.  Nowhere does it say it's a pre-approval and I doubt they would have a pre-approved credit offer on the bottom of your receipt.  How would they even know it is you?  That is just my guess anyway.

Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007

Re: Is this a PreApproval?

I would not waste an inq on this. It is not a preapproval.
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Is this a PreApproval?

Most "pre-approvals" are only pre-approved to apply, which means nothing.  Occassionally you receive legitimate preapprovals.

 

If you are interested in finding preapprovals, go to CapOne, BofA and other sites which offer a "preapproval" application which does not do hard inquiries but runs soft promotional to see if they are interested in offering you something....and even then you must formally apply and may not be approved even then.

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