topic Feeling some Irish luck. Some firsts in Credit Card Applications

Feeling some Irish luck. Some firsts

joltdude — Wed, 18 Mar 2015 02:17:56 GMT

Know prequalifiers arent a great index of eligibility but.....

Tried chase's prequalifier..... It finally came back with a 500$ spend 100$ back offer for Freedom... NEVER had one comeback with anything before (and the prescreen and optout notice on bottom...) 18.99% after 15mo 0%

Tried Citi's prequalifier.... it too finally came back with a D C card with the requisite prescreen and opt out notice.... 22.99 after 15mo 0%

Tried BOA's prequalifier.. (not sure if its worth jack... 100$ back on 500$ spend on their Rewards card...

Discover .. The reduced APR range 12-18 with the 14 mo 0% .. still think they can do better.. iv seen a fixed number albeit not on my offers

Amex: Still offering me that 50K PRG.. now even on their website...(with the prescreen and optout notice) Waived AF first year as well..

It is now officially one year since iv gotten the credit union card..... Im starting to feel the FICO love....

-J

Edit: Crapone prescreen is still offering just the Platinum at 24.9% first year no AF and QS 1 with AF at 22.9%

Actually got my first First Premier offer... didnt even open it before it hit the shredder today =) The only other subprime offer Iv recieved since iv started is Verve..

(Figured id mention that since in contrast to the rest, the First Premier (sic) is a mockery/insult/cruel joke at this point in my credit journey)

Re: Feeling some Irish luck. Some firsts

Anonymous — Wed, 18 Mar 2015 01:41:48 GMT

Congrats!

Re: Feeling some Irish luck. Some firsts

joedtx — Wed, 18 Mar 2015 01:43:18 GMT

@joltdude wrote:
Know prequalifiers arent a great index of eligibility but.....
Tried chase's prequalifier..... It finally came back with a 500$ spend 100$ back offer for Freedom... NEVER had one comeback with anything before (and the prescreen and optout notice on bottom...)

Tried Citi's prequalifier.... it too finally came back with a D C card with the requisite prescreen and opt out notice....

Tried BOA's prequalifier.. (not sure if its worth jack... 100$ back on 500$ spend on their Rewards card...

Discover .. The reduced APR range 12-18 with the 14 mo 0% .. still think they can do better.. iv seen a fixed number albeit not on my offers

Amex: Still offering me that 50K PRG.. now even on their website...

It is now officially one year since iv gotten the credit union card..... Im starting to feel the FICO love....
-J

Congrats Joltdude that AMEX offer is pretty sweet, and you are right it is not being offered right now.

Re: Feeling some Irish luck. Some firsts

SecretAzure — Wed, 18 Mar 2015 02:27:10 GMT

@joedtx wrote:
@joltdude wrote:
Know prequalifiers arent a great index of eligibility but.....
Tried chase's prequalifier..... It finally came back with a 500$ spend 100$ back offer for Freedom... NEVER had one comeback with anything before (and the prescreen and optout notice on bottom...)

Tried Citi's prequalifier.... it too finally came back with a D C card with the requisite prescreen and opt out notice....

Tried BOA's prequalifier.. (not sure if its worth jack... 100$ back on 500$ spend on their Rewards card...

Discover .. The reduced APR range 12-18 with the 14 mo 0% .. still think they can do better.. iv seen a fixed number albeit not on my offers

Amex: Still offering me that 50K PRG.. now even on their website...

It is now officially one year since iv gotten the credit union card..... Im starting to feel the FICO love....
-J

Congrats Joltdude that AMEX offer is pretty sweet, and you are right it is not being offered right now.

Yeah when I started getting good offers I was so proud of myself. I knew I was on the right track. Me, being me, just threw them all out and came to the internet to decide for myself what I wanted (, Discover hounded me the most). When I got the nice big Visa Black Card offer I knew I was doing well. I can't afford the AF though so I just kept the giant cardboard for a while until it lost it's appeal.

ANYWAYS CONGRATS!!