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Established Member
blink182
Posts: 22
Registered: ‎10-25-2012

When did you start getting pre-approvals and who gave them to you?

I have just got all my scores north of 600, and I'm wondering how much longer until I start seeing any type of pre-approval offers?

 

what types of offers have you received and what were your scores when you noticed them?

 

thanks!

 

Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: When did you start getting pre-approvals and who gave them to you?

You start seeing some like : Credit one, Capital one, Primier, Finger Hut......etc soon....dont worry my friend....Them ""harmful"" credit card going to look for you very soon.....lol.......I tear them up and sent it back to them...thats wat i did :smileyvery-happy:


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Contributor
zyzzus
Posts: 523
Registered: ‎10-22-2012

Re: When did you start getting pre-approvals and who gave them to you?

Cap 1 has been sending me pre-approvals for car loans recently lol.

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay$10,000 

Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009

Re: When did you start getting pre-approvals and who gave them to you?

Ha.  I applied for Chase Freedom a little too early.  I was denied, and immediately afterwared, I started getting preapprovals from Chase two to three times per week.  Take those preapprovals with a grain of salt.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Blogger
HiLine
Posts: 2,836
Registered: ‎10-19-2012

Re: When did you start getting pre-approvals and who gave them to you?

I received pre-approval letters from Capital One several months after I started building a credit history. Discover came, I think about 5-6 months in. No other creditors have sent me pre-approvals.

Established Contributor
eviLution
Posts: 704
Registered: ‎06-11-2012

Re: When did you start getting pre-approvals and who gave them to you?

I'm about to get my 5th statement from my Capital One Secured and I've been wondering when I'll start seeing pre-approval letters in the mail too. Lol I did get some odd mails that I never got before though, like some free cruise thing that tries to scam you into buying timeshare and some lending tree letter.


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
rootpooty
Posts: 1,711
Registered: ‎10-28-2011

Re: When did you start getting pre-approvals and who gave them to you?

I dont get any cause im opted out.  It helps the itch!

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: When did you start getting pre-approvals and who gave them to you?


rootpooty wrote:

I dont get any cause im opted out.  It helps the itch!


Best choice buddie..........

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: When did you start getting pre-approvals and who gave them to you?


rootpooty wrote:

I dont get any cause im opted out.  It helps the itch!


best way to deal with the itch is just to get every card that's worth getting :smileyhappy: but that helps :smileywink:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
jamesdwi
Posts: 1,433
Registered: ‎09-16-2011

Re: When did you start getting pre-approvals and who gave them to you?

don't worry you will soon get so many pre-approved credit offers on catalogs you won't believe it, i get 2-3 "you are pre-approved for upto $400 credit" catalogs its insane. I never order from any of them but they still keep coming, most of the companies add 20-30% onto the item prices and nail you with 20-30% APR on your purchases. Best just to shred everything with your name on it.  

 

 

 

Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.

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