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Just thought I'd see if I could get this to pop up and first time ever it finally did. However, I have a ton of new inquiries and accounts. How legit do you think this is? I imagine I'd probably still get declined.
Yes, it's a prequalified offer and more than likely you'll be approved but as always people can be and are declined.
Bottom of the pic
Offer is subject to credit approval.
So most likely yes, but theres a chance no.
Id go for it if you want it, you should get it.
@Anonymous wrote:Just thought I'd see if I could get this to pop up and first time ever it finally did. However, I have a ton of new inquiries and accounts. How legit do you think this is? I imagine I'd probably still get declined.
I believe it's' legitimate.
BTW I have that card and like it.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
Don't pre-qualified offers put that "subject to credit approval" disclaimer on there in the event that in the time that transpires between when you were pre-qualified for the offer and when you apply your score drops? While this can be a day or two, many times it can be a month or two which we all know could result in a dramatic decrease (or increase) in score which could of course impact the pre-qualified offer.
I always read them as "you're pre-qualified assuming nothing has adversely changed your credit reports since this offer was generated."
I think it is more "you are pre qualified based on the limited information we have gathered so far, but we need to get the whole picture before we say yes."