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

Established Member

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!

 

13 REPLIES
Valued Contributor

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 Smiley Very Happy


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


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor

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- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Senior Contributor

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

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

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.


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor

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 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Valued Contributor

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: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor

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 Smiley Happy but that helps Smiley Wink


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k