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11-19-2013 10:07 PM
I received a pre-qualified mailer for a Walmart Credit card. As much as I want the free TU FICO score, I put it aside but smiled at the fact that I'm actually making progress in my credit journey. Also, about a month ago I tried the shopping cart trick with J. Crew and successfully got an offer. The same day I got the Walmart mailing (yesterday), I received a note from J. Crew telling me I had been pre-approved for their card, and that they'd like me to take them up on their offer. I smiled and put that one aside too. No more cards for me but it's nice to see hard work paying off.
Do you remember your first pre-qual after rebuilding? Who was it from? Did you go for it?
PS- Sorry if this question has already been asked.. I was just so excited to see offers come for me in the mail
11-19-2013 10:29 PM
I don't remember about my first pre-approval after rebuilding, but I do remember the one that meant the most. Before and while rebuilding my credit, I was denied by Citi so many times. Then one day (earlier this year), I got a pre-approval offer from them. I was so happy. I applied right away and was instantly approved. I felt so accomplished.
11-19-2013 11:00 PM
I remember mine a few weeks ago how could i forget the NFCU mail offer. It said all u have to do is say yes to this offer. I couldn't believe the results, trust me rebuild the right way and it pays off.
11-19-2013 11:14 PM
When my credit score stopped falling I eventually received a number of very bad (very poor terms) credit card offers. In this mix I believe was first premier, credit one and probably others. I never applied for any of these cards as they had beyond horrendous terms. Eventually I received a capital one preapproval that was quite a bit of a better offer with no AF and 24.99 interest. I opened this card and paid in full every month. Maybe a year or so latter I started receiving discover offers in the mail. It might sound stupid but I never really believed that my credit was actually improving thus I discarded these offers without much thought.
After having the cap1 card for 4 months or so the limit increased a couple hundred bucks from 300 to 500. Then it sat at 500 for more than a year. I eventually tried for an CLI and my limit doubled to 1k. Shortly after this I applied for a discover card and was approved for a card with a 1K limit. Right after the discover card started reporting on my credit reports I got an offer for an Amex green charge card. Shortly thereafter I applied for the Amex PRG charge card and was approved.
So to answer your question it went capital one -> discover -> amex charge card. I totally agree with you that it’s fun to get preapproved offers in the mail. I imagine it only gets better as the quality of the offers improve.
11-20-2013 02:45 AM
My first was Citi TYP (instant approval). Second was Amex Green (3 weeks after I got Amex PRG). Third was Amex Gold (2 weeks later than Green). Fourth and final was First Premier (no comment).
11-20-2013 09:24 AM
I think my first was discover IT via mail , and chase freedom/csp via online pre approval site
11-20-2013 09:38 AM
While rebuilding (score range 550~600)- Credit One
After (score range 620~ current)- Citi AA, AMEX Green
11-20-2013 02:44 PM