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Contributor
lacedup2go
Posts: 81
Registered: ‎03-27-2008
0

Pre-Approval Web Sites?

Hi - Does anyone have any idea where I can find the message that contains the various pre-approval websites you might be considered for?

 

I hope this makes sense, but I could have sworn there was a message somewhere here that had all the links to various credit card companies that you could put in personal information and see if you got pre-approved for anything.

 

Thoughts?  In advance, thanks!

Before MyFico as of 11/2007: EQ: 554 TU: 530
After MyFico as of 2/2009: EQ: 678 EX: 662 TU: 654
Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007

Re: Pre-Approval Web Sites?

Hi Laced

 

Here is the thread with all the pre-approve websites

 

Solved! "Soft Pull Websites", How to find out if you will be approved for a card? [

Contributor
lacedup2go
Posts: 81
Registered: ‎03-27-2008
0

Re: Pre-Approval Web Sites?

Awesome - that's exactly what I was looking for!!  Thank you so much!!
Before MyFico as of 11/2007: EQ: 554 TU: 530
After MyFico as of 2/2009: EQ: 678 EX: 662 TU: 654
Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007
0

Re: Pre-Approval Web Sites?

You are definitely welcome and keep us updated
Contributor
lacedup2go
Posts: 81
Registered: ‎03-27-2008
0

Re: Pre-Approval Web Sites?

I decided to go with a Capitol One offer through the pre-approved sites.  It said I got approved, but for how much, I don't know.  I've been sitting on the same Cap One card for a few years now with a CL of $800.  Hopefully this one will be more and it will work out better since the APR is a lot cheaper.  We'll see though . . .

Before MyFico as of 11/2007: EQ: 554 TU: 530
After MyFico as of 2/2009: EQ: 678 EX: 662 TU: 654
Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007
0

Re: Pre-Approval Web Sites?

Remember  Laced pre-approve does not mean a guarantee.

 

Good luck and keep us updated

Contributor
lacedup2go
Posts: 81
Registered: ‎03-27-2008
0

Re: Pre-Approval Web Sites?

I should have clarified - I definitely got approved for a credit card . . . stuff will be mailed in 7 - 10 days.  I just don't know what the CL is.
Before MyFico as of 11/2007: EQ: 554 TU: 530
After MyFico as of 2/2009: EQ: 678 EX: 662 TU: 654
Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007
0

Re: Pre-Approval Web Sites?

Very nice laced, congrats

 

You should call them and ask.

Senior Contributor
Wonderin
Posts: 3,494
Registered: ‎05-25-2008
0

Re: Pre-Approval Web Sites?


lacedup2go wrote:

I decided to go with a Capitol One offer through the pre-approved sites.  It said I got approved, but for how much, I don't know.  I've been sitting on the same Cap One card for a few years now with a CL of $800.  Hopefully this one will be more and it will work out better since the APR is a lot cheaper.  We'll see though . . .




The one you're getting NOW might be a Credit Steps card. If you're thinking of combining cards with Cap One, bear in mind what I read in another thread: If you combine cards, you'll lose the Credit Steps ("guaranteed" CLIs every so many months of good behavior).

DH has one -- a Credit Steps at $1500 (originally $1K, but we went overlimit once, so it didn't get the CLI until the 6th statement) and a new one (dunno if it's CS yet) for $1500. We originally thought to combine them to be $3K, but then read where another poster said that combining kills the CS. No thanks. :/

Just something to consider!

Congrats on the new card!! Yay!! :smileyhappy:

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*

Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Contributor
lacedup2go
Posts: 81
Registered: ‎03-27-2008
0

Re: Pre-Approval Web Sites?

I don't think it's a Credit Steps card . . . I already have one of those and trust me, even though I pay on time, the credit barely has raised (started at $300 and is up to $800 over a two year period).  I figure my scores aren't that bad so that's why I applied for a new one and hopefully the CL will be better so that I don't have to wait aeons before having a nice CL with them.  I have a coupl eof other cards with $3,000 CL's, but ideally, I want one with a larger CL so I have a nice mix.

 

This is one where it's 0% APR until August and then a 10% APR  . . . still high, but decent when you compare it to the Capital One I have now which is about 22% APR.

Before MyFico as of 11/2007: EQ: 554 TU: 530
After MyFico as of 2/2009: EQ: 678 EX: 662 TU: 654

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