topic Re: Pre Approval Sites June 2015? in Credit Cards

Pre Approval Sites June 2015?

JamP — Mon, 08 Jun 2015 02:18:45 GMT

Maybe there is another thread like this and if there is please delete or move this one.

Lets talk about Pre Approval Sites, How Successful they are?

Some say if it gives exact APR or a lower range APR then you are more likely to be approved.

This is only a partial list. I tried to pick the ones normal people can possibly get and I'm sure I am missing a few.

Please add your own

American Express

Bank of America

Capital One

Chase Pre Qualified Offers

For me:

American Express never showed any on their site but I got great Pre Approvals in the mail that I was approved for.

Bank of America shows me pre approvals all the time but I can't speak on if it works or not since I haven't applied. Update... Can put any info in the site you want.

Barclay - I dont see the pre approval site anymore but some claim the emails they send out are definite signs of approval.

Capital One's approval site has been good to me and my wife but shows nothing pre approved as of late.

Chase never shows me any pre approvals.

CitiBank never throws me a bone with pre approvals or approvals.

Credit One - Never tried it. Any hopefully will never have to.

Discover's Pre approval site is crap.

Home Depot - If I lived closer to one.

US Bank only offers me a debit card lol

Re: Pre Approval Sites June 2015?

JamP — Mon, 08 Jun 2015 01:37:36 GMT

Just had the wife try Bank of America and she got the same offers as I did.

I don't think their site is very accurate. Hopefully others have been approved from that site.

We may have to test this soon.

Re: Pre Approval Sites June 2015?

Anonymous — Mon, 08 Jun 2015 01:44:57 GMT

Do NOT trust Bank of America pre-approval.

They changed their verbage to we 'recommend' not prequalify.

Also, it has been tested you can actually put in fake information into their prequalification and it will show the same 'recommendations'

Re: Pre Approval Sites June 2015?

Anonymous — Mon, 08 Jun 2015 01:45:07 GMT

@JamP wrote:
Just had the wife try Bank of America and she got the same offers as I did.

I don't think their site is very accurate. Hopefully others have been approved from that site.

We may have to test this soon.

Did you see a specific APR when you checked ? I never get anything on the BoA site even though I do get preapprovals in the mail from them

Re: Pre Approval Sites June 2015?

JamP — Mon, 08 Jun 2015 02:15:08 GMT

Exactly why we need a thread like this. Do not trust Discover and BOA preapproval sites..

Didn't see a specific apr..

Re: Pre Approval Sites June 2015?

Anonymous — Mon, 08 Jun 2015 03:18:00 GMT

@JamP wrote:
Maybe there is another thread like this and if there is please delete or move this one.

Lets talk about Pre Approval Sites, How Successful they are?
Some say if it gives exact APR or a lower range APR then you are more likely to be approved.

This is only a partial list. I tried to pick the ones normal people can possibly get and I'm sure I am missing a few.
Please add your own
American Express
Bank of America
Capital One
Chase Pre Qualified Offers
Citibank
Credit One
Discover
Home Depot
US Bank

For me:
American Express never showed any on their site but I got great Pre Approvals in the mail that I was approved for.
Bank of America shows me pre approvals all the time but I can't speak on if it works or not since I haven't applied.
Barclay - I dont see the pre approval site anymore but some claim the emails they send out are definite signs of approval.
Capital One's approval site has been good to me and my wife but shows nothing pre approved as of late.
Chase never shows me any pre approvals.
CitiBank never throws me a bone with pre approvals or approvals.
Credit One - Never tried it. Any hopefully will never have to.
Discover's Pre approval site is crap.
Home Depot - If I lived closer to one.
US Bank only offers me a debit card lol

Thanks for putting together this list! Line for line I have noted my findings or what I have so didn't try.

BofA: Said it recommended Cash Rewards card (don't think that is a pre-approval at all)

Citibank: Did not have any pre-quals

Re: Pre Approval Sites June 2015?

Anonymous — Mon, 08 Jun 2015 02:49:16 GMT

^ no offense but i don't understand how your information is relevant to helping with the validity of the sites. you're just telling us what cards you have...

Re: Pre Approval Sites June 2015?

Anonymous — Mon, 08 Jun 2015 03:03:06 GMT

American Express - I didn't prequalify for anything on their site, but app'd for the Everday Card and was approved.

Bank of America - "Recommended" unsecured cards to me, I app'd and was denied--then they offered me the $99/$500 secured card.

Capital One - Prequalified me for Venture, I app's and I was approved. Theirs seems to be spot on.

Chase Pre Qualified Offers - Prequalified for Freedom and others, app'd for Freedom and was approved. Now no prequalified offers come up for me. Theirs seems to be spot on.

Citibank - Can't match me with anything.

Credit One - Never tried.

Discover - Said I was prequalified, app'd and was denied. Offered a secured version.

Home Depot - No match on website, however I received an offer in the mail. I havent app'd yet though.

US Bank - Only prequalifies me for a debit card--hilarious!

Re: Pre Approval Sites June 2015?

Anonymous — Mon, 08 Jun 2015 03:19:13 GMT

@Anonymous wrote:
^ no offense but i don't understand how your information is relevant to helping with the validity of the sites. you're just telling us what cards you have...

I deleted the ones not relevant to the OP. I hope that redeems myself.

Re: Pre Approval Sites June 2015?

Anonymous — Mon, 08 Jun 2015 03:21:29 GMT

lol i wasn't trying to be offensive to you. sorry if you took it that way

Re: Pre Approval Sites June 2015?

Anonymous — Mon, 08 Jun 2015 03:28:54 GMT

@Anonymous wrote:
lol i wasn't trying to be offensive to you. sorry if you took it that way

It's cool. I was doing something I haven't done since the 1990s - I was watching the NBA basketball game when I was replying. I really wasn't relavent to the post. I guess I'm not good at multi-tasking. This game was like old school basketball.

Re: Pre Approval Sites June 2015?

Anonymous — Mon, 08 Jun 2015 03:33:56 GMT

@JamP wrote:
Maybe there is another thread like this and if there is please delete or move this one.

Lets talk about Pre Approval Sites, How Successful they are?
Some say if it gives exact APR or a lower range APR then you are more likely to be approved.

This is only a partial list. I tried to pick the ones normal people can possibly get and I'm sure I am missing a few.
Please add your own
American Express
Bank of America
Capital One
Chase Pre Qualified Offers
Citibank
Credit One
Discover
Home Depot
US Bank

For me:
American Express never showed any on their site but I got great Pre Approvals in the mail that I was approved for.
Bank of America shows me pre approvals all the time but I can't speak on if it works or not since I haven't applied. Update... Can put any info in the site you want.
Barclay - I dont see the pre approval site anymore but some claim the emails they send out are definite signs of approval.
Capital One's approval site has been good to me and my wife but shows nothing pre approved as of late.
Chase never shows me any pre approvals.
CitiBank never throws me a bone with pre approvals or approvals.
Credit One - Never tried it. Any hopefully will never have to.
Discover's Pre approval site is crap.
Home Depot - If I lived closer to one.
US Bank only offers me a debit card lol

Amex never shows me pre approvals either. But I did get the first 3xcli. Only offers in the mail for me.

BOfA doesn't work. But I app'd anyway & got their 123 Rewards siggy visa.

Barclay never gave me a auto cli yet and it has been 7 months.

Cap One does cli's every 6 months & I did get a pre approval for my second Venture or QS card with apr showing.

Chase sent me an email to call & ask for a cli. Don't think I want the hp from it right now. Pre approval site is always nothing but I get offers for the the Sapphire card?

Citi gave me an auto cli after 5 months. It's been 7 months now and nothing as of yet. Also no pre approvals from their site.

Credit One has been gone a long time ago.

Discover's well you know, AWESOME!

Home Depot I get nothing on their pre approval site. Still afraid to go into their store & ask.lol And I don't need anymore inquiries.

Us Bank only gives me their debit card but pushes their cc on me via emails?

Re: Pre Approval Sites June 2015?

Imperfectfuture — Mon, 08 Jun 2015 03:35:18 GMT

@Anonymous wrote:
@JamP wrote:
Just had the wife try Bank of America and she got the same offers as I did.

I don't think their site is very accurate. Hopefully others have been approved from that site.

We may have to test this soon.
Did you see a specific APR when you checked ? I never get anything on the BoA site even though I do get preapprovals in the mail from them

Same here, and email invite for Alaska Air credit. Discover, just cold app. Never had pre approval on Amex, cold app. Citi sends me lots of pre approvals, and their site tends to match (I think). Never had pre approval for cap one, and chase stopped pre qualing me.

Re: Pre Approval Sites June 2015?

Imperfectfuture — Mon, 08 Jun 2015 03:42:36 GMT

@Imperfectfuture wrote:
@Anonymous wrote:
@JamP wrote:
Just had the wife try Bank of America and she got the same offers as I did.

I don't think their site is very accurate. Hopefully others have been approved from that site.

We may have to test this soon.
Did you see a specific APR when you checked ? I never get anything on the BoA site even though I do get preapprovals in the mail from them
Same here, and email invite for Alaska Air credit. Discover, just cold app. Never had pre approval on Amex, cold app. Citi sends me lots of pre approvals, and their site tends to match (I think). Never had pre approval for cap one, and chase stopped pre qualing me.

Take one back. The mailed offers from citi are 14.99, the pre approval is 22.99.

Re: Pre Approval Sites June 2015?

SMDLiquid — Mon, 08 Jun 2015 19:22:05 GMT

I have Pre-Approvals from Citibank but all my APR's are 22.99% Whats weird is that my Simplicity card is at 12.99%

Re: Pre Approval Sites June 2015?

Jerry45 — Mon, 08 Jun 2015 20:20:35 GMT

Thanks for the Links , Jam.

Re: Pre Approval Sites June 2015?

Jerry45 — Mon, 08 Jun 2015 20:21:57 GMT

@Anonymous wrote:
Do NOT trust Bank of America pre-approval.

They changed their verbage to we 'recommend' not prequalify.

Also, it has been tested you can actually put in fake information into their prequalification and it will show the same 'recommendations'

Good to Know. Thanks

Re: Pre Approval Sites June 2015?

Jerry45 — Mon, 08 Jun 2015 20:23:28 GMT

@Anonymous wrote:
@JamP wrote:
Just had the wife try Bank of America and she got the same offers as I did.

I don't think their site is very accurate. Hopefully others have been approved from that site.

We may have to test this soon.
Did you see a specific APR when you checked ? I never get anything on the BoA site even though I do get preapprovals in the mail from them

I agree that seeing a specific APR seems more solid on the pre qual sites. That is what works the best on Discover's site.

Re: Pre Approval Sites June 2015?

Jerry45 — Mon, 08 Jun 2015 20:25:38 GMT

I was pre approved at Home Depot for a tasty 25.9% APR. Cannot wait to apply. Sarc...

Re: Pre Approval Sites June 2015?

Jerry45 — Mon, 08 Jun 2015 20:28:11 GMT

@Imperfectfuture wrote:
@Imperfectfuture wrote:
@Anonymous wrote:
@JamP wrote:
Just had the wife try Bank of America and she got the same offers as I did.

I don't think their site is very accurate. Hopefully others have been approved from that site.

We may have to test this soon.
Did you see a specific APR when you checked ? I never get anything on the BoA site even though I do get preapprovals in the mail from them
Same here, and email invite for Alaska Air credit. Discover, just cold app. Never had pre approval on Amex, cold app. Citi sends me lots of pre approvals, and their site tends to match (I think). Never had pre approval for cap one, and chase stopped pre qualing me.
Take one back. The mailed offers from citi are 14.99, the pre approval is 22.99.

Thanks for the Citi Info. I also get the 22.9% on the pre qual site for the Double Cash, but no mail offers for me yet.