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Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
0

Never get any pre-approvals :-(

So I still never get any pre apprpvals. I opted back in several montha ago and no longer have any fraud alerts on my pros. I get offers from Barclay's in my email and got my Paypal MC through a pre approval online. I'm beginning to get jealous of the targeted offers though as they tend to be more generous. My FICO is around 700, so I am fairly certain that I should be receiving pre approvals. One of my neighbs got a $150 bonus and 0% intro offer on BCE :-(. But nooott meeee :-/ lol....
Any ideas on how to get on the lists??!! Esp for Citi... I want that coveted 21 mos 0% interest for Citi Diamond!!! OooooooOoo!!!

:-) Thanks!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
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Re: Never get any pre-approvals :-(

maybe it's because you have 17 cards? =p


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Posts: 2,972
Registered: ‎02-09-2012
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Re: Never get any pre-approvals :-(

Get a citi backed product, and they'll soft and send you stuff.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Never get any pre-approvals :-(

Hahahaa! Nooo!! Jeez? 17! Lol haha. I only use 5-6 of them. My util is <10%. I mostly pif btw :-p. Most of those cards have $0 bal. I think it may be bc I put myself on the "opt out" list back in '07 when my credit journey began! And only recently opted back in...I guess I do have some pretty good deals lol... I have enough 0% cred to last a lifetime, though I don't use it. Lollllzz
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Never get any pre-approvals :-(

+1 @repo'ed. Im waiting at least a few more weeks to app for Citi Diamond Preferred. I may need to close some accounts soon, like maybe that lame Chevron card. I just like to have credit as Plan C, since I have savings, etc. as Plan B, while my income is Plan A.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Never get any pre-approvals :-(


youngandcreditwrthy wrote:
Hahahaa! Nooo!! Jeez? 17! Lol haha. I only use 5-6 of them. My util is <10%. I mostly pif btw :-p. Most of those cards have $0 bal. I think it may be bc I put myself on the "opt out" list back in '07 when my credit journey began! And only recently opted back in...I guess I do have some pretty good deals lol... I have enough 0% cred to last a lifetime, though I don't use it. Lollllzz

lol quality over quantity my friend, but regardless of your utility a lot of companies don't like excessive amount of cards, i opted back in 2 weeks ago and already recieved 5 pre-approvals from Discover lol


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
Posts: 1,043
Registered: ‎02-03-2009
0

Re: Never get any pre-approvals :-(

Once you opt back in, it can take a few months to start getting preapprovals. I probably have more cards than the OP, and I get them on a regular basis ( BOA, at least 2-3 per month, Fifth Third Bank, Nationwide Bank, etc.) I opted back in in June, didn't start getting pre-approvals until maybe August-Sept. I get them a couple times a week. 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
Frequent Contributor
Posts: 356
Registered: ‎11-16-2012
0

Re: Never get any pre-approvals :-(

How do I opt in? Never knew I could opt out.


12/28/13 (Garden Start Date)



Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Never get any pre-approvals :-(


ac921ol wrote:
How do I opt in? Never knew I could opt out.

same way as opting out, but in reverse :smileyvery-happy:

 

www.optoutprescreen.com


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
Posts: 560
Registered: ‎09-29-2012
0

Re: Never get any pre-approvals :-(

Having to much credit can be a bad thing.  Even if you don't use most of them.

 

Lenders look at it as you rely too much on credit and therefore are more risky than someone who has less credit.

 

 

But to your question, it may just take awhile for you to start getting them again (that is if your 17 plus cards hasn't scared them away lol) just like it takes awhile to stop getting them when you opt out.

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