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Discover sent me a pre-approval offer for the Discover More, despite the fact that I already have the card. :/
@sakhalin070 wrote:Discover sent me a pre-approval offer for the Discover More, despite the fact that I already have the card. :/
That is because these pre-approval, pre-selected, or whatever you want to call it carries no meaning. The way they work is that say BofA ask TU to produce a list of people that meets a generic condition (say never BK in the last 5 years). TU in return produce the list and BofA mails the offer to every person on the list. No actual credit check is done.
I have gotten 5 "Hurry, you are Pre-approved through December 2012" in the last 2 weeks and received my Discover More card before Thanskgiving. Guess it takes them time to update their system
@trumpet-205 wrote:
@sakhalin070 wrote:Discover sent me a pre-approval offer for the Discover More, despite the fact that I already have the card. :/
That is because these pre-approval, pre-selected, or whatever you want to call it carries no meaning. The way they work is that say BofA ask TU to produce a list of people that meets a generic condition (say never BK in the last 5 years). TU in return produce the list and BofA mails the offer to every person on the list. No actual credit check is done.
Are you sure about that? I got a preapproval from American Express yesterday and I saw on my credit where they soft pulled me. I am fairly new to this so I am not sure how it all works. I got a preapproval from fingerhut and capital one and they are both showing as sp's. Citi sent me a preapproval but they have never checked my credit outside of the gas card I have from them. So can some preapprovals mean more than others?
I got my Discover in October... I got the alert about it posting on my reports yesterday. I think thats probably why I was still getting the "pre approved' letters.
@rudy0720 wrote:I have gotten 5 "Hurry, you are Pre-approved through December 2012" in the last 2 weeks and received my Discover More card before Thanskgiving. Guess it takes them time to update their system
@snowkitty wrote:Are you sure about that? I got a preapproval from American Express yesterday and I saw on my credit where they soft pulled me. I am fairly new to this so I am not sure how it all works. I got a preapproval from fingerhut and capital one and they are both showing as sp's. Citi sent me a preapproval but they have never checked my credit outside of the gas card I have from them. So can some preapprovals mean more than others?
No actual credit check is done. It would have cost them too much money to conduct credit check on every candidate.