Mega Contributor
Creditaddict
Posts: 18,818
Registered: ‎10-23-2007
Re: Chase Pre-approval site - something new?

Jutz wrote:

As far as preapproval sites go...are they based on previous promotional soft pulls that the company may have already done...or do these sites "force" a soft pull and give you offers based on that?


Not totally sure because the wording sounds like it's finding an offer that was mailed to you... My partner has never gotten anything outside of BT offers for his Freedom that he NEVER uses... but low and behold Slate was offer and was instantly approved so not sure about instant SP or already in system.  I have gotten 3 others to do it also and had no offers... so hoping others will get offers and actually apply and see if we can trust this...

Makes me miss the BofA one that use to exist.  Not sure on the APR either... He got 16% which is tier 2 based on the APR's available... I find that annoying that APR tier is "Based on our credit review" right? so his credit is good enough for $9k but doesn't qualify for 11%? won't effect us for 15 months but still!!!

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue: