Established Contributor
emptypockets
Posts: 997
Registered: ‎02-03-2009
Bank of America Pre-Approvals/Pre-selected
[ Edited ]

I have been getting these in the mail once a week for the past couple of months. Some say pre-selected, some say pre-approved. They all have the opt-out language on the bottom of the letters. Does anyone know how they are for approvals (initial limit, who do they pull).?

 

I had been throwing the offers out, but the one I got yesterdat was for a Detroit Tigers World MC, basically the 3/2/1 card with 0%BT for 15 mos, and 10.99 interest after that. Most of the others had a variable 12.99-20.99 interest rate. 10.99 is pretty decent.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (5), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (10/2014): 813; EX (6/14): 775
Moderator
Revelate
Posts: 9,640
Registered: ‎12-30-2011
Re: Bank of America Pre-Approvals/Pre-selected
[ Edited ]

National lender and they'll pull any of the 3 for the initial account.  Mine for example have always been EX for opening, TU for CLI's.  The TU for CLI's seems to be pretty consistent for probably everyone on this forum.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge