Chase does, so does American Express. But besides Chase I want a card from banks like TD Bank, BOA and Discover. BOA never has any offers, TD Bank I don't think is involved in anything like that and Discover never offers me anything either.. hopefully none of this is bad 
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@killer_queen229 wrote:Chase does, so does American Express. But besides Chase I want a card from banks like TD Bank, BOA and Discover. BOA never has any offers, TD Bank I don't think is involved in anything like that and Discover never offers me anything either.. hopefully none of this is bad
In general, it doesn't mean much. Prequalifiaction just means that the marketing arm has paid the CRAs to return a list of people who match a set of criteria they have provided, and, for whatever reason, you are not in that batch.
Plenty of people get approvals without being prequalified, and some prequalified people get rejected. Yes, it would be nicer if you had some prequalified offers (though it wouldn't be a guarantee) but no need to worry! Try one in March as planned.
@longtimelurker wrote:
@killer_queen229 wrote:Chase does, so does American Express. But besides Chase I want a card from banks like TD Bank, BOA and Discover. BOA never has any offers, TD Bank I don't think is involved in anything like that and Discover never offers me anything either.. hopefully none of this is bad
In general, it doesn't mean much. Prequalifiaction just means that the marketing arm has paid the CRAs to return a list of people who match a set of criteria they have provided, and, for whatever reason, you are not in that batch.
Plenty of people get approvals without being prequalified, and some prequalified people get rejected. Yes, it would be nicer if you had some prequalified offers (though it wouldn't be a guarantee) but no need to worry! Try one in March as planned.
March 1st I plan on applying for Chase Freedom and Discover IT (with the confidence that I'd get approved for both) then sometime this year I still want to apply for TD Bank Cash Rewards Visa card(I've been a customer since 2008) and BOA Susan G. Komen Cash Rewards Mastercard. Should I apply for all 4 cards in one day, one week? Or do the other two a few months apart from one another or do them the same day a few months AFTER the other two applications?
@killer_queen229 wrote:
@longtimelurker wrote:
@killer_queen229 wrote:Chase does, so does American Express. But besides Chase I want a card from banks like TD Bank, BOA and Discover. BOA never has any offers, TD Bank I don't think is involved in anything like that and Discover never offers me anything either.. hopefully none of this is bad
In general, it doesn't mean much. Prequalifiaction just means that the marketing arm has paid the CRAs to return a list of people who match a set of criteria they have provided, and, for whatever reason, you are not in that batch.
Plenty of people get approvals without being prequalified, and some prequalified people get rejected. Yes, it would be nicer if you had some prequalified offers (though it wouldn't be a guarantee) but no need to worry! Try one in March as planned.
March 1st I plan on applying for Chase Freedom and Discover IT (with the confidence that I'd get approved for both) then sometime this year I still want to apply for TD Bank Cash Rewards Visa card(I've been a customer since 2008) and BOA Susan G. Komen Cash Rewards Mastercard. Should I apply for all 4 cards in one day, one week? Or do the other two a few months apart from one another or do them the same day a few months AFTER the other two applications?
No idea what would be best, apart from general principles, several apps in a short time can appear to indicate that you are desparate for credit, and raise flags. Usually creditors will see earlier inquiries if they are on the same CRA, even if they are a few minutes before. Do you know which CRAs get pulled for these banks in your area? Chase may double pull so it might be worth applying to them first and waiting to see which they hit and plan from there.
Since TD is your bank, have you spoken to them to see if they have any offers for you? Cash Rewards Visa is a great card (one I was planning to get before I got Blue Cash).
@longtimelurker wrote:
@killer_queen229 wrote:
@longtimelurker wrote:
@killer_queen229 wrote:Chase does, so does American Express. But besides Chase I want a card from banks like TD Bank, BOA and Discover. BOA never has any offers, TD Bank I don't think is involved in anything like that and Discover never offers me anything either.. hopefully none of this is bad
In general, it doesn't mean much. Prequalifiaction just means that the marketing arm has paid the CRAs to return a list of people who match a set of criteria they have provided, and, for whatever reason, you are not in that batch.
Plenty of people get approvals without being prequalified, and some prequalified people get rejected. Yes, it would be nicer if you had some prequalified offers (though it wouldn't be a guarantee) but no need to worry! Try one in March as planned.
March 1st I plan on applying for Chase Freedom and Discover IT (with the confidence that I'd get approved for both) then sometime this year I still want to apply for TD Bank Cash Rewards Visa card(I've been a customer since 2008) and BOA Susan G. Komen Cash Rewards Mastercard. Should I apply for all 4 cards in one day, one week? Or do the other two a few months apart from one another or do them the same day a few months AFTER the other two applications?
No idea what would be best, apart from general principles, several apps in a short time can appear to indicate that you are desparate for credit, and raise flags. Usually creditors will see earlier inquiries if they are on the same CRA, even if they are a few minutes before. Do you know which CRAs get pulled for these banks in your area? Chase may double pull so it might be worth applying to them first and waiting to see which they hit and plan from there.
Since TD is your bank, have you spoken to them to see if they have any offers for you? Cash Rewards Visa is a great card (one I was planning to get before I got Blue Cash).
I was thinking of doing Chase and Discover in one day.. then the other two a few months apart. I don't know what gets pulled. I haven't spoken to them because all they've ever done was deny me. Even 4 years ago they denied me and the last denial I got for credit in August was by them.
@killer_queen229 wrote:Chase does, so does American Express. But besides Chase I want a card from banks like TD Bank, BOA and Discover. BOA never has any offers, TD Bank I don't think is involved in anything like that and Discover never offers me anything either.. hopefully none of this is bad
Me myself with no Credit history at the time (and 6 months for my 2nd) got a "pre-qualified" letter and while i been getting a ton of them for years since i turned 18 ( I am in early 20's now). Got accepted last May or so.
