Spiegel..

[Creditaddict]

Tiff... your first post said you were pre-approved... then in the last post you said you did cold app.

If you clicked the link for pre-approve and they offered you a card then that's pre-approved, if I applied it would be cold app because the pre-approval link says there are no codes for me. 

[Anonymous]

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@Creditaddict wrote:

Tiff... your first post said you were pre-approved... then in the last post you said you did cold app.

If you clicked the link for pre-approve and they offered you a card then that's pre-approved, if I applied it would be cold app because the pre-approval link says there are no codes for me. 

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My error.... I was thinking Target. Yes I clicked the link provided and entered my information. Sorry Creditaddict.

[Creditaddict]

I checked it for myself, partner, and both my mom and dad... none of us are pre-approved and our scores range from very similar to you up to like 750.  I don't get the system!

[Anonymous]

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@Creditaddict wrote:
I checked it for myself, partner, and both my mom and dad... none of us are pre-approved and our scores range from very similar to you up to like 750.  I don't get the system!

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That makes no sense at all... as you can see my scores absolutely tank. I only own sub-prime cards with no limit over $450...... No CLI (ever) across the board on neither of them. Unless they saw that I had no store cards on my file at all I have no idea. Unable to obtain a secured from a bank....