topic Re: How legit is this?. in Credit Card Applications

How legit is this?.

Anonymous — Tue, 09 Aug 2016 21:22:56 GMT

Re: How legit is this?.

Anonymous — Tue, 09 Aug 2016 21:27:43 GMT

That's a legit prequal. HOWEVER...

ymmv if anything has changed in your profile.

not every prequal is a guaranteed offer of credit.

blah blah blah

Re: How legit is this?.

KSK1912 — Tue, 09 Aug 2016 22:04:23 GMT

@Anonymous wrote:
That's a legit prequal. HOWEVER...

ymmv if anything has changed in your profile.
not every prequal is a guaranteed offer of credit.
blah blah blah

especially with Citi. They sent me the same offer while back, and i decided to go to their website and check preq, and actually it came back with 2 offers, apped, and a no go on either one of them. Check their website too and see if it still shows you the same card on the prequalified cards. Good Luck!

Re: How legit is this?.

Anonymous — Tue, 09 Aug 2016 22:20:08 GMT

Same pre qual I got. I didn't like the APR, though, so I applied direct. Got 16.24% instead.

Re: How legit is this?.

Anonymous — Tue, 09 Aug 2016 22:24:47 GMT

What worries me is whom they will pull. CPDB stats are that in Florida they will pull Eq(687) or Ex(728) enhanced CC score.

My issue is that it's a coin toss whom they will pull.

Re: How legit is this?.

Anonymous — Tue, 09 Aug 2016 22:37:44 GMT

@Anonymous wrote:
Same pre qual I got. I didn't like the APR, though, so I applied direct. Got 16.24% instead.

Intriguing. I might explore this option. If I app. Last Inq was two months ago. 7 months since the ones before. But damn I want that card. 🤔

Re: How legit is this?.

Anonymous — Tue, 09 Aug 2016 22:51:47 GMT

@Anonymous wrote:
What worries me is whom they will pull. CPDB stats are that in Florida they will pull Eq(687) or Ex(728) enhanced CC score.
My issue is that it's a coin toss whom they will pull.

I'm in Florida and Citi pulled both Eq and Ex for me. I had the same pre-qual and was approved for $7500. Scores a little higher than yours and lots of new accounts.

Re: How legit is this?.

Anonymous — Tue, 09 Aug 2016 22:54:33 GMT

@Anonymous wrote:
@Anonymous wrote:
What worries me is whom they will pull. CPDB stats are that in Florida they will pull Eq(687) or Ex(728) enhanced CC score.
My issue is that it's a coin toss whom they will pull.

I'm in Florida and Citi pulled both Eq and Ex for me. I had the same pre-qual and was approved for $7500. Scores a little higher than yours and lots of new accounts.

Thanks for the data points. I'm still a little gun shy on this though.

Re: How legit is this?.

Anonymous — Tue, 09 Aug 2016 23:04:08 GMT

I tried their pre-qual then I started getting offers in the mail with way lower APRs, maybe even a 13.24% one? I'd hold off and see if you get any mail after this. I didn't app because I'm gardening though.

Re: How legit is this?.

Anonymous — Tue, 09 Aug 2016 23:05:58 GMT

@Anonymous wrote:
I tried their pre-qual then I started getting offers in the mail with way lower APRs, maybe even a 13.24% one? I'd hold off and see if you get any mail after this. I didn't app because I'm gardening though.

I'm leaning that way. Thanks. But.........

Re: How legit is this?.

Anonymous — Tue, 09 Aug 2016 23:25:40 GMT

Update. Approved as feared Eq. 1k. Lowest limit sence my Krispie Kream card. But Citi was the only

Issuer I wasn't in bed with, so at least it's a start. Thanks guys.

Re: How legit is this?.

KSK1912 — Tue, 09 Aug 2016 23:33:33 GMT

@Anonymous wrote:
Update. Approved as feared Eq. 1k. Lowest limit sence my Krispie Kream card. But Citi was the only
Issuer I wasn't in bed with, so at least it's a start. Thanks guys.

Congrats, it will definitely grow..! Nice to have cards from different lenders rather more cards from one or two lenders only.

Re: How legit is this?.

Anonymous — Tue, 09 Aug 2016 23:40:38 GMT

Is this rconable? ( if that's a word) average limit is $8500

Re: How legit is this?.

KSK1912 — Tue, 09 Aug 2016 23:54:05 GMT

@Anonymous wrote:
Is this rconable? ( if that's a word) average limit is $8500

Just apped with them for another friend of mine, helping get some cards, and when i posted the results here for some advise, i was told you can ask for a cli but it is another HP. If your avarage limit is $8500 and you do not have a high uti, i would probably take the hard pull and ask for cli. At this moment, it will not be a recon, but just a CLI request. Let us know of the result if you decide to go for it.

Re: How legit is this?.

Anonymous — Tue, 09 Aug 2016 23:56:46 GMT

@KSK1912 wrote:
@Anonymous wrote:
Is this rconable? ( if that's a word) average limit is $8500
Just apped with them for another friend of mine, helping get some cards, and when i posted the results here for some advise, i was told you can ask for a cli but it is another HP. If your avarage limit is $8500 and you do not have a high uti, i would probably take the hard pull and ask for cli. At this moment, it will not be a recon, but just a CLI request. Let us know of the result if you decide to go for it.

I will follow up with what happens. At 6% with 70k available. SMH. Thanks again

Re: How legit is this?.

KSK1912 — Wed, 10 Aug 2016 00:05:32 GMT

@Anonymous wrote:
@KSK1912 wrote:
@Anonymous wrote:
Is this rconable? ( if that's a word) average limit is $8500
Just apped with them for another friend of mine, helping get some cards, and when i posted the results here for some advise, i was told you can ask for a cli but it is another HP. If your avarage limit is $8500 and you do not have a high uti, i would probably take the hard pull and ask for cli. At this moment, it will not be a recon, but just a CLI request. Let us know of the result if you decide to go for it.
I will follow up with what happens. At 6% with 70k available. SMH. Thanks again

You should be good to go on the cli. I would be suprised if they did not give you cli.

Re: How legit is this?.

Anonymous — Wed, 10 Aug 2016 00:22:09 GMT

@KSK1912 wrote:
@Anonymous wrote:
@KSK1912 wrote:
@Anonymous wrote:
Is this rconable? ( if that's a word) average limit is $8500
Just apped with them for another friend of mine, helping get some cards, and when i posted the results here for some advise, i was told you can ask for a cli but it is another HP. If your avarage limit is $8500 and you do not have a high uti, i would probably take the hard pull and ask for cli. At this moment, it will not be a recon, but just a CLI request. Let us know of the result if you decide to go for it.
I will follow up with what happens. At 6% with 70k available. SMH. Thanks again
You should be good to go on the cli. I would be suprised if they did not give you cli.

I'll see tomorrow.