Regular Contributor
Posts: 237
Registered: ‎07-13-2012

Will my recent approvals equal more/better pre-approvals?

I had a sucessful week last week. One pre-approved card with Merrick Bank and then 3 cold apps with decent approvals. Based on experience, do you think I'll start seeing more pre-approved offers coming in and if so, do you think they will be better than the sub-prime that I've been receiving over the last year (like Merrick Bank and Credit One)?  I usually toss most of them. I'll consider ones that have a 25 day grace period after the statement closes. If they start charging interest from the purchase date, the offer is in the trash! 


Will be tossing all but lower interest and higher limit offers now.

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Valued Contributor
Posts: 2,671
Registered: ‎09-26-2011

Re: Will my recent approvals equal more/better pre-approvals?

With four new accounts showing up shortly, I expect your pre approvals to stop appearing for a while.


Those that you get, you won't want.


Give it a good six months, or even a year, and then you should start getting the preapprovals for the cards that you want. 

Current Scores: EX 671 (FCR) TU08: 649 Wally. 03/02/2015.

Zero percent financing is where the devil lives...
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.