topic Key Bank pre approval fake in Credit Card Applications

Key Bank pre approval fake

NC84 — Mon, 06 Jul 2020 17:02:01 GMT

Just a heads up that these pre approval letters for the key bank cash back card are fake because I just got denied. I already have the key bank latitude card so I thought it was a definite win for me. Wrong

Re: Key Bank pre approval fake

Anonymous — Mon, 06 Jul 2020 17:28:41 GMT

sorry to hear about your denial 😕 but just because you were preapproved and denied doesn't mean their pre approvals are fake. the actual application is the determining factor and a preapproval is never a 100% guarantee of an approval.

Re: Key Bank pre approval fake

AverageJoesCredit — Mon, 06 Jul 2020 17:32:01 GMT

I didnt win the Powerball on Saturday....obviously fake as fico

Re: Key Bank pre approval fake

Wavester64 — Mon, 06 Jul 2020 17:45:55 GMT

@AverageJoesCredit wrote:
I didnt win the Powerball on Saturday....obviously fake as fico

Re: Key Bank pre approval fake

NC84 — Mon, 06 Jul 2020 18:01:54 GMT

I didn't know people got pre-approval letters to win the lottery. Interesting

Re: Key Bank pre approval fake

1GaDawg85 — Mon, 06 Jul 2020 18:02:16 GMT

@AverageJoesCredit wrote:
I didnt win the Powerball on Saturday....obviously fake as fico

Powerball and Mega Millions are totally fake!

Re: Key Bank pre approval fake

core — Mon, 06 Jul 2020 18:46:11 GMT

When I get a pre-approval from a company I've never done business with, they don't know my income or any of those juicy details. But when I apply, if I put down "mafia boss" as my occupation and a taxable income of $0, I'd expect to get denied. Regardless of the 800+ score that earned me the preapproval.

In your case since you already had another card with them they should have known your income, but the left hand doesn't always know what the right is doing. And perhaps your details have changed since that first app.

Re: Key Bank pre approval fake

M_Smart007 — Mon, 06 Jul 2020 19:49:40 GMT

@AverageJoesCredit wrote:
I didnt win the Powerball on Saturday....obviously fake as fico

Helps to buy a ticket

Re: Key Bank pre approval fake

CreditCuriosity — Mon, 06 Jul 2020 20:09:15 GMT

@M_Smart007 wrote:
@AverageJoesCredit wrote:
I didnt win the Powerball on Saturday....obviously fake as fico
Helps to buy a ticket

Can't win if you don't play.. Also same goes for credit nothing is guranteed whether a pre-approval or not as the lending market is ever evolving along with a persons profile.

Anyone in the credit game long enough HAS been turned down. I have 30+ cards and have my share of rejections with high scores and very good income and low utilizaton, etc...

Re: Key Bank pre approval fake

coldfusion — Mon, 06 Jul 2020 20:00:26 GMT

@CreditCuriosity wrote:

Anyone in the credit game long enough HAS been turned down. I have 30+ cards and have my share of rejections with high scores and very good income and low utilizaton, etc...

+1000000

Re: Key Bank pre approval fake

blindambition — Mon, 06 Jul 2020 20:01:23 GMT

Not much in life is guaranteed, but nothing in credit is ever guaranteed. Applying is always a crapshoot!! Even with higher odds for approval.

Re: Key Bank pre approval fake

M_Smart007 — Mon, 06 Jul 2020 20:20:49 GMT

@blindambition wrote:
Not much in life is guaranteed, but nothing in credit is ever guaranteed. Applying is always a crapshoot!! Even with higher odds for approval.

Cap1 guarantees 3 HP's. Sir Barclays and Comenity guarantee AA

Amex guarantee's clawbacks. Chase almost always guarantee's denial over 5/24.

Sync guarantee's to close your cards without warning ..(reason's unknown)

And @AverageJoesCredit is guaranteed to be rejected by PenFed.

I know that I am missing quite a few things here

Re: Key Bank pre approval fake

blindambition — Mon, 06 Jul 2020 20:27:57 GMT

@M_Smart007 wrote:
@blindambition wrote:
Not much in life is guaranteed, but nothing in credit is ever guaranteed. Applying is always a crapshoot!! Even with higher odds for approval.
Cap1 guarantees 3 HP's. Sir Barclays and Comenity guarantee AA
Amex guarantee's clawbacks. Chase almost always guarantee's denial over 5/24.
Sync guarantee's to close your cards without warning ..(reason's unknown)

And @AverageJoesCredit is guaranteed to be rejected by PenFed.

I know that I am missing quite a few things here

Re: Key Bank pre approval fake

1GaDawg85 — Mon, 06 Jul 2020 20:38:01 GMT

@M_Smart007 wrote:
@blindambition wrote:
Not much in life is guaranteed, but nothing in credit is ever guaranteed. Applying is always a crapshoot!! Even with higher odds for approval.
Cap1 guarantees 3 HP's. Sir Barclays and Comenity guarantee AA
Amex guarantee's clawbacks. Chase almost always guarantee's denial over 5/24.
Sync guarantee's to close your cards without warning ..(reason's unknown)

And @AverageJoesCredit is guaranteed to be rejected by PenFed.

I know that I am missing quite a few things here

BK7 stay on file for 10 years