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Valued Contributor
Posts: 1,255
Registered: ‎03-22-2012
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Pre-Approvals on Credit Card Websites....

I just tried the pre-approval options at Cap1 and Discover. I was recommended the Cap1 Cash card ($39 AF No Thanks!) and the Discover More.

 

If I applied, what are my chances of approval? Has anyone been denied after the pre-approval soft pull?

 

I have some patience and don't really plan on applying until the end of August. I think I need 1 more month of reporting on the 2 cards that I already have.

 

Any other cards have pre-approval offers on their websites?

 

It REALLY felt good to have been offered cards!

 



Starting Score: EQ 658 6/18/12
Current Score: EQ 705 6/21/15 - EX 783 6/21/15 - TU 707 6/21/15
Goal Score: EQ 720+
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Regular Contributor
Posts: 144
Registered: ‎07-21-2012
0

Re: Pre-Approvals on Credit Card Websites....

Amex has PA.

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
In my wallet:  $16,000  $8,000
Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: Pre-Approvals on Credit Card Websites....

i know cap1 PA is weird...one day shows PA for like 3 different cards and then the next day NONE lol i dont getSmiley Frustrated



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Valued Contributor
Posts: 1,968
Registered: ‎03-30-2012
0

Re: Pre-Approvals on Credit Card Websites....

You probably got the same Discover More "recommended" card everyone else have been getting. (Before it was saying "Sorry, we don't have any offers" but for the last few days it hasn't.) See if you can check your EQ report for an actual soft pull...Discover's are based on those and I believe also when they've sent you something.

Scores 8/18/2015: TU FICO: 651 | EQ FICO: 645| EX AMEX FICO: 630

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1750 | Target: $1100 | J.Crew $13,950
Valued Contributor
Posts: 1,255
Registered: ‎03-22-2012
0

Re: Pre-Approvals on Credit Card Websites....

Tried AMEX. It was "No special offers for you!"



Starting Score: EQ 658 6/18/12
Current Score: EQ 705 6/21/15 - EX 783 6/21/15 - TU 707 6/21/15
Goal Score: EQ 720+
Take the FICO Fitness Challenge

Super Contributor
Posts: 6,143
Registered: ‎12-11-2011
0

Re: Pre-Approvals on Credit Card Websites....


jamie123 wrote:

I just tried the pre-approval options at Cap1 and Discover. I was recommended the Cap1 Cash card ($39 AF No Thanks!) and the Discover More.

 

If I applied, what are my chances of approval? Has anyone been denied after the pre-approval soft pull?

 

I have some patience and don't really plan on applying until the end of August. I think I need 1 more month of reporting on the 2 cards that I already have.

 

Any other cards have pre-approval offers on their websites?

 

It REALLY felt good to have been offered cards!

 


"Recommended" does not mean pre-approved. Unless the websites return with the message "Congratulations, you have been pre-approved for..." you have not been pre-approved. Discover has gotten rid of their "Sorry we couldn't find any offers" message, and capital one still has it, it's at the top, but then they attack you with a GIANT picture of the cash card. 

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