topic Approval Rates on Targeted Offers from the co Branded Partners? in Credit Card Applications

Approval Rates on Targeted Offers from the co Branded Partners?

Anonymous — Sat, 15 Dec 2018 04:49:47 GMT

I am curious about all the target offers from Delta and United I keep getting in the mail. Since the don’t say anything about pre approval and aren’t from Chase and Amex should I just assume it’s general marketing and not an offer? I’m midway through a rebuild and don’t feel I qualify for the cards (backed up by the lack of online prequals!). Am I just wasting a HP if I app? No rush on my part I’ll get them when I am farther along. Replied to a United mailer months ago and chase just laughed. Thanks

Re: Approval Rates on Targeted Offers from the co Branded Partners?

Anonymous — Sat, 15 Dec 2018 04:56:08 GMT

These are general marketing, and just as good as cold applying in terms of credit decision. For Chase if you are over 5/24 you will still get denied.

The only advantage of these offers is that you may get better sign-up offer (speaking of Citi AAdvantage offers, not exactly sure what offers are for the United and Delta).

Re: Approval Rates on Targeted Offers from the co Branded Partners?

Anonymous — Sat, 15 Dec 2018 05:24:26 GMT

Thanks. Suspicion confirmed.