Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012

Postman u BA$t@#%

I was talking about no one SPing me and not getting any offers. Well, I get home and I have a bright pretty letter from Citi with the Thank you card logo on it. I'm thinking it's about time. I take a second glance before opening it and realize the damn postman put my neighbor's mail in my box. The pre approval offer was for my neighbor and not me. Damn U cruel credit gods!!

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012

Re: Postman u BA$t@#%

Lmao...owned by the postman


haha...sorry, I never get preapproval offers either.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    

     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor
Posts: 2,262
Registered: ‎07-23-2012

Re: Postman u BA$t@#%

[ Edited ]

my dad and i got the same exact cc pre approval from cap one. i shredded mine and he accepted his. 

(ive been here since 1996-at age 5, and he's been here since 2010-about as old as my oldest cc)

he got a 500 limit c1 plat waived first year af and then 19 after. 


so honestly if a pre approval only entails a 500 limit, im good. (i know its ymmv im just saying)



p.s. before this summer and my crazly apping i have never gotten a pre approval. so far ive gotten cap 1, discover, chase, and some comapny i thought was cap one but something completely different. 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6

2014 Goals:
Lower Utility
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

Re: Postman u BA$t@#%

Lol, there is a forum member named postman, and I was like wow! What did postman do?

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!

Take the myFICO Fitness Challenge
Valued Contributor
Posts: 2,371
Registered: ‎03-15-2012

Re: Postman u BA$t@#%

So now they're keeping the good pre-approvals, along with the Victoria's secret catalogs, and playboys that "got lost."   HAHAHAAHAHAA!!!

Established Contributor
Posts: 560
Registered: ‎09-29-2012

Re: Postman u BA$t@#%

Dang now thats hilarious :smileyhappy:

Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012

Re: Postman u BA$t@#%

LOL, better yet, how about if your spouse get pre-offer and you don't?


Maybe it's just me. :smileyvery-happy:

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor
Posts: 2,371
Registered: ‎03-15-2012

Re: Postman u BA$t@#%

I could see that happening to me, especially since my honey doesn't work, and Citi hates me too.

Established Contributor
Posts: 657
Registered: ‎06-27-2012

Re: Postman u BA$t@#%

ehh I haven't gotten one pre approval from a prime lender either.  Don't need one either just need to garden...


BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Posts: 12,952
Registered: ‎04-15-2011

Re: Postman u BA$t@#%

Just don't go postal!   Sorry, had to say it!

Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.