topic Re: Is this a Pre Qualify Offer from BOA online? in Credit Cards

Is this a Pre Qualify Offer from BOA online?

Anonymous — Fri, 10 Jun 2016 01:13:58 GMT

My scores have gone up and I was just checking the prequalify sites.

At BOA , I got this response after checking for PreQualification.

Is this an offer to apply and chances are good or they are just

doing this for everyone?

I think last time I did this (a few months ago) it said we have

no offers for you at this time.

Anyone's thoughts? THANKS

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Re: Is this a Pre Qualify Offer from BOA online?

kdm31091 — Fri, 10 Jun 2016 01:19:34 GMT

Nope, sorry, but that's a completely generic "offer". Plug in "Donald Duck" and you will get the same results.

Re: Is this a Pre Qualify Offer from BOA online?

Anonymous — Fri, 10 Jun 2016 01:21:26 GMT

Wait until you get a mailer, that's a preapproval.

Re: Is this a Pre Qualify Offer from BOA online?

Anonymous — Fri, 10 Jun 2016 01:22:00 GMT

Ok in my case it will be Daisy Duck Thanks for the heads up, you saved me from a HP!!!!

Re: Is this a Pre Qualify Offer from BOA online?

Anonymous — Fri, 10 Jun 2016 01:27:26 GMT

@Anonymous wrote:
Wait until you get a mailer, that's a preapproval.

Not necessarily. I've gotten plenty of BOA mailers that were nothing but marketing junk mail.

Re: Is this a Pre Qualify Offer from BOA online?

Anonymous — Fri, 10 Jun 2016 01:32:16 GMT

That's interesting. Did it say that you were preselected?

Re: Is this a Pre Qualify Offer from BOA online?

Anonymous — Fri, 10 Jun 2016 01:42:38 GMT

@Anonymous wrote:
That's interesting. Did it say that you were preselected?

Got one today that says precisely that. Alaska Airlines card.

Re: Is this a Pre Qualify Offer from BOA online?

Anonymous — Fri, 10 Jun 2016 02:04:19 GMT

My DW always gets the mailer for BOA 750+ scores. Her last attempt they offered her a 99/500 when she applied to their "pre selected" offer lol. She declined their secured card

Re: Is this a Pre Qualify Offer from BOA online?

Discover2016 — Fri, 10 Jun 2016 02:24:33 GMT

For reference, this is what a true prequal from BofA looks like:

Re: Is this a Pre Qualify Offer from BOA online?

Anonymous — Fri, 10 Jun 2016 03:49:55 GMT

They really don't work. You will have to cold app for it. And if you get a 7-10 day message, call the sr credit analyst.

Re: Is this a Pre Qualify Offer from BOA online?

RonM21 — Sat, 11 Jun 2016 15:03:07 GMT

I trust the mailers a bit more, but even then, I know it isn't a guarantee. Anymore, I kind of use my own judgement in combination. If I believe I'm not in a good enough situation to get a card for any reason, I usually don't do it.

Nothing worse then a HP denial in my small world.