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Pre screened offers continue

Valued Contributor

Re: Pre screened offers continue

Just to add fuel to fire:

NFCU 25k
Amex BCP 8.8k
Amex Delta 6k
Discover it. 6k
Walmart Disc 5.4k
Freedom 1.5k
Chase amaz 2k


Pretty good limits for my "low" scores


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
Message 21 of 47
Contributor

Re: Pre screened offers continue

duncan, how long did it take you to get the WM discovery? I have a store version and would like to upgrade it but I dont want a hp.

current cards
WM store
Cap1 platinum
WF secured
Amazon Chase Smiley Happy
Gardening since 12/20/2012
Message 22 of 47
Valued Contributor

Re: Pre screened offers continue

@dun 

you know your scores are good! 

my amex pull was higher with a high loan to balance ratio. 

 

 

ive gotten pre approvals from discover, cap one, and my favorite credit one. oh almost forgot first premier. 

have not recieved anything from boa(my bank since i was 17), amex, chase(have the freedom), citi etc.... 

 

even though i know my credit profile would qualify after i drop my util from 18% to under 9% (paying macy's card friday)

 

stick with the garden and all will come! (about to hit my half way mark for my silver spade on saturday)

(as soon as some of those drapping inq age lol)

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 23 of 47
Valued Contributor

Re: Pre screened offers continue


VWTUNER wrote:

duncan, how long did it take you to get the WM discovery? I have a store version and would like to upgrade it but I dont want a hp.


I got it when I applied out of the gate.  Started with 1.8 CL (odd number).  My TU at the time of approval was around 702 Walmart TU score.



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
Message 24 of 47
Valued Contributor

Re: Pre screened offers continue

Come to think of it, I rarely get any pre-approvals or pre-screened offers.  The exception is for business cards from lenders where I already have a personal account.  Chase and USbank in particular.  I get a ton of insurance company mailers though.  I also get a ton of balance transfer checks for my existing TL's.  I got one pre-approval offer  5-6 months ago for a Barclay Visa Black card, but I wasn't interested.   

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 25 of 47
Valued Contributor

Re: Pre screened offers continue


Duncanrr wrote:
Got pre-screened offer in mail today for first national of Omaha (second pre-screen from them) and Matrix discover (with a stellar 27% apr).

At least they are still coming in. Nothing from Chase, Citi, Barclays or Amex yet.

I know its like opening a present and seeing whats inside. Smiley Very Happy I love when I get them 


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 26 of 47
Valued Contributor

Re: Pre screened offers continue


Duncanrr wrote:
Got pre-screened offer in mail today for first national of Omaha (second pre-screen from them) and Matrix discover (with a stellar 27% apr).

At least they are still coming in. Nothing from Chase, Citi, Barclays or Amex yet.

I got a GREAT offer the other day...a Merrick bank DYL(double your limit) card....start with $700 and after 6 months it will double to $1400...but with an extreme apr...like 23% and $4 per month in AF I was like uhh no thank you...

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Message 27 of 47
Moderator

Re: Pre screened offers continue


Duncanrr wrote:
Just to add fuel to fire:

NFCU 25k
Amex BCP 8.8k
Amex Delta 6k
Discover it. 6k
Walmart Disc 5.4k
Freedom 1.5k
Chase amaz 2k


Pretty good limits for my "low" scores

I think you aren't getting pre-screens from Amex / Chase because you have all the products that they're likely to pitch you at the moment.

 

Also at least with Amex. you have recently acquired a few products; there's no real sense for a lender to pitch someone new pre-approvals when that individual has already wrapped their arms around said lender Smiley Happy.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 28 of 47
Valued Contributor

Re: Pre screened offers continue


Revelate wrote:

Duncanrr wrote:
Just to add fuel to fire:

NFCU 25k
Amex BCP 8.8k
Amex Delta 6k
Discover it. 6k
Walmart Disc 5.4k
Freedom 1.5k
Chase amaz 2k


Pretty good limits for my "low" scores

I think you aren't getting pre-screens from Amex / Chase because you have all the products that they're likely to pitch you at the moment.

 

Also at least with Amex. you have recently acquired a few products; there's no real sense for a lender to pitch someone new pre-approvals when that individual has already wrapped their arms around said lender Smiley Happy.


Your probably right.  I need to tease them a little by snuggling up to my new Discover card and NFCU.  Make them want me.  (maybe show a little "credit leg")



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
Message 29 of 47
Valued Contributor

Re: Pre screened offers continue


Duncanrr wrote:

Revelate wrote:

Duncanrr wrote:
Just to add fuel to fire:

NFCU 25k
Amex BCP 8.8k
Amex Delta 6k
Discover it. 6k
Walmart Disc 5.4k
Freedom 1.5k
Chase amaz 2k


Pretty good limits for my "low" scores

I think you aren't getting pre-screens from Amex / Chase because you have all the products that they're likely to pitch you at the moment.

 

Also at least with Amex. you have recently acquired a few products; there's no real sense for a lender to pitch someone new pre-approvals when that individual has already wrapped their arms around said lender Smiley Happy.


Your probably right.  I need to tease them a little by snuggling up to my new Discover card and NFCU.  Make them want me.  (maybe show a little "credit leg")


Bahaha...I have ran up and paid off my Disco it twice this month..Im trying to get that starbuck gc haha

ccpics2.jpg
Message 30 of 47