USBak Prea-Approval Couple Months After Denial

[Creditaddict]

So partner applied for Cash+ back a few months and was declined for having 4 new accounts within 6 months with NO Recon possible because of the 4 new accounts.  Fast forward to 8 new accounts and he gets a pre-approval today... While I consider it a pretty TERRIBLE USBank Card with NO REWARDS Visa Platinum... it is 0% for 15 months.  Do you think this pre-approval holds any wait or did some how the soft pull slip by the system of not so many new accounts and it would be a wasted INQ?

Wouldn't mind taking it now and then PC after 12 months or something or what not... I feel like once in door, I use to LOVE them for my credit card.

Thoughts?

oh it's also 19.99% but not until after the 15 months, but that just seems pretty bad!

[enharu]

How old is the newest account by now?

Preapprovals are pretty useless IMO.

[Creditaddict]

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@enharu wrote:
How old is the newest account by now?

Preapprovals are pretty useless IMO.

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ummm.... 2 months.

[CreditExpressNJ]

i believe preapproved means hes approved already you guys are confusing preapprove with pre-qualified two different meanings

[LS2982]

I wouldn't waste the INQ. They will decline again for too many new accounts.

[dodgerslv]

oh no...maybe i shouldnt apply for U.S Bank then. Like i said, i do have a business checking account with them along with my dad and he has business credit cards that i am an AU on but dont know if that will make a difference since i have opened 3 new tradelines in the past 3 months.