05-09-2012 09:56 PM
Nope, no pre-approvals. I had just app'd for my NFCU line and decided to go the extra mile. ;D
03-13-2013 09:36 PM - edited 03-13-2013 09:38 PM
When I was approved for the USAA Platinum for 3k, I also had the American express secured offer up to 5k, so I decided to give them a call and asked them about it on why would I need a secured card if I already had an unsecured one with them. So they asked me if I wanted to apply for the american express unsecured card and I said only if it was going to be a soft pull and not a hard pull. They toll me a soft pull, 2 days later I saw a hard pull on EQUIFAX from USAA and I was not too happy about it, but then when I check on my accounts it showed a n american express card with a 4k credit line then I was very happy and so I didnt mind the hard pull after all.
MY SCORE WHEN i WAS APPROVED: EQUIFAX= 663
So my advice is, if they are going to do a hard pull on the secured one, I would try the unsecured one first.