topic Re: Pre-Approval in Credit Card Applications

Pre-Approval

Eyisila — Wed, 03 Jun 2015 03:49:28 GMT

Just a question to see if anyone has experience, advice or knowledge.

I was doing some shopping on LLBean and as I checkout I get the "your prequalified/preapproved" for the LLBean Visa card. Didn't take it. After some thought I figured I could use it and use it well and to it's full advantage etc. Plus if I decide to close it eventually, I could move the limit (I think) to my SM card. Well I have tried a few times but now the pop up won't come.

I am pre approved for the HD card too, and that one actually has a date to take advantage of the preapproval by. The LLBean didn't.

Would you fine members say that approval chances are still pretty good? I was thinking about going for the HD card along with this. But wanted to check here first with my query

Thanks!!

Re: Pre-Approval

Anonymous — Wed, 03 Jun 2015 04:57:21 GMT

what is HD

Re: Pre-Approval

Scupra — Wed, 03 Jun 2015 05:58:07 GMT

HD is Home Depot

Re: Pre-Approval

Anonymous — Wed, 03 Jun 2015 06:07:56 GMT

Did you fill out the last 4 ss#'s? I filled out the form for J.Crew & quit. Just got the card yesterday! I really never knew if they just gave up on me or not.

Re: Pre-Approval

Eyisila — Wed, 03 Jun 2015 13:11:39 GMT

@Anonymous wrote:
Did you fill out the last 4 ss#'s? I filled out the form for J.Crew & quit. Just got the card yesterday! I really never knew if they just gave up on me or not.

No, these pre approval pop-ups are not like the Comenity cards. For HD you can actually check like you can at Cap One and Chase and so on. For the LLBean, it's like Comenity, where you do shopping and proceed to checkout and get the pop-up, but since it is Barclay, I assume if you go thru with it, it will be the full application (HP). I would just do the proverbial cold app, but would rather go thru the pre-approval pop up to up the chances, so to speak.

Thus my query LOL.

Re: Pre-Approval

Anonymous — Wed, 03 Jun 2015 13:55:22 GMT

So I'm wondering about this pre-approval. Went to take a look at it to see what would come up. Added a $40 item to my cart and got a pop up it says....

Take LL Bean Visa Everywhere. Earn Rewards on purchases 3% at LL Bean and 1% everywhere else. No Annual Fee

Then it gives me the options No Thank Continue Checkout or Apply Now.

Would this be the pre-approval you were talking about or did it say exactly PreApproved? I will try to post a pic. *Added Pic*

[IMG]http://i59.tinypic.com/wan23d.png[/IMG]

Re: Pre-Approval

CreditCuriosity — Wed, 03 Jun 2015 15:02:16 GMT

@Anonymous wrote:
So I'm wondering about this pre-approval. Went to take a look at it to see what would come up. Added a $40 item to my cart and got a pop up it says....

Take LL Bean Visa Everywhere. Earn Rewards on purchases 3% at LL Bean and 1% everywhere else. No Annual Fee

Then it gives me the options No Thank Continue Checkout or Apply Now.

Would this be the pre-approval you were talking about or did it say exactly PreApproved? I will try to post a pic. *Added Pic*

[IMG]http://i59.tinypic.com/wan23d.png[/IMG]

Just marketing.. Not a pre-approval/pre-qual

Re: Pre-Approval

Anonymous — Wed, 03 Jun 2015 15:21:27 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
So I'm wondering about this pre-approval. Went to take a look at it to see what would come up. Added a $40 item to my cart and got a pop up it says....

Take LL Bean Visa Everywhere. Earn Rewards on purchases 3% at LL Bean and 1% everywhere else. No Annual Fee

Then it gives me the options No Thank Continue Checkout or Apply Now.

Would this be the pre-approval you were talking about or did it say exactly PreApproved? I will try to post a pic. *Added Pic*

[IMG]http://i59.tinypic.com/wan23d.png[/IMG]

Just marketing.. Not a pre-approval/pre-qual

That is what I thought as well... So Eyisila if this is what you got I wouldnt go for it if you don't want a HP. However, if your scores are good go for it! Looks like an advertisement either way it goes.

Re: Pre-Approval

CreditCuriosity — Wed, 03 Jun 2015 15:23:36 GMT

Correct no opt-in/out message.. Just a flat out advertisement for the card pushing it. a TU score of 670-680 probably could obtain it, if one wants it

Re: Pre-Approval

Eyisila — Wed, 03 Jun 2015 16:55:04 GMT

@Anonymous wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
So I'm wondering about this pre-approval. Went to take a look at it to see what would come up. Added a $40 item to my cart and got a pop up it says....

Take LL Bean Visa Everywhere. Earn Rewards on purchases 3% at LL Bean and 1% everywhere else. No Annual Fee

Then it gives me the options No Thank Continue Checkout or Apply Now.

Would this be the pre-approval you were talking about or did it say exactly PreApproved? I will try to post a pic. *Added Pic*

[IMG]http://i59.tinypic.com/wan23d.png[/IMG]

Just marketing.. Not a pre-approval/pre-qual

That is what I thought as well... So Eyisila if this is what you got I wouldnt go for it if you don't want a HP. However, if your scores are good go for it! Looks like an advertisement either way it goes.

I have gotten that before. The time I did it a couple of days ago it was this. I hope this image works . Of course now nothing comes up at all, not even the marketing one. Again, thus my initial query

Re: Pre-Approval

Anonymous — Mon, 26 Sep 2016 21:28:31 GMT

With my experience that is a pre-qualify which means your not actually pre approved for it you just meet said criteria. And from experience the pre qualify ones are HP.