topic Re: Pre-Approval Web Sites? in Credit Cards

Pre-Approval Web Sites?

Anonymous — Tue, 10 Feb 2009 21:32:12 GMT

Hi - Does anyone have any idea where I can find the message that contains the various pre-approval websites you might be considered for?

I hope this makes sense, but I could have sworn there was a message somewhere here that had all the links to various credit card companies that you could put in personal information and see if you got pre-approved for anything.

Thoughts? In advance, thanks!

Re: Pre-Approval Web Sites?

oracles — Tue, 10 Feb 2009 21:42:29 GMT

Hi Laced

Here is the thread with all the pre-approve websites

Solved! "Soft Pull Websites", How to find out if you will be approved for a card? [

Re: Pre-Approval Web Sites?

Anonymous — Tue, 10 Feb 2009 21:47:16 GMT

Awesome - that's exactly what I was looking for!! Thank you so much!!

Re: Pre-Approval Web Sites?

oracles — Tue, 10 Feb 2009 21:50:52 GMT

You are definitely welcome and keep us updated

Re: Pre-Approval Web Sites?

Anonymous — Wed, 11 Feb 2009 00:06:13 GMT

I decided to go with a Capitol One offer through the pre-approved sites. It said I got approved, but for how much, I don't know. I've been sitting on the same Cap One card for a few years now with a CL of $800. Hopefully this one will be more and it will work out better since the APR is a lot cheaper. We'll see though . . .

Re: Pre-Approval Web Sites?

oracles — Wed, 11 Feb 2009 00:09:15 GMT

Remember Laced pre-approve does not mean a guarantee.

Good luck and keep us updated

Re: Pre-Approval Web Sites?

Anonymous — Wed, 11 Feb 2009 01:29:39 GMT

I should have clarified - I definitely got approved for a credit card . . . stuff will be mailed in 7 - 10 days. I just don't know what the CL is.

Re: Pre-Approval Web Sites?

oracles — Wed, 11 Feb 2009 01:32:57 GMT

Very nice laced, congrats

You should call them and ask.

Re: Pre-Approval Web Sites?

Anonymous — Wed, 11 Feb 2009 14:52:21 GMT

@Anonymous wrote:
I decided to go with a Capitol One offer through the pre-approved sites. It said I got approved, but for how much, I don't know. I've been sitting on the same Cap One card for a few years now with a CL of $800. Hopefully this one will be more and it will work out better since the APR is a lot cheaper. We'll see though . . .

The one you're getting NOW might be a Credit Steps card. If you're thinking of combining cards with Cap One, bear in mind what I read in another thread: If you combine cards, you'll lose the Credit Steps ("guaranteed" CLIs every so many months of good behavior).

DH has one -- a Credit Steps at $1500 (originally $1K, but we went overlimit once, so it didn't get the CLI until the 6th statement) and a new one (dunno if it's CS yet) for $1500. We originally thought to combine them to be $3K, but then read where another poster said that combining kills the CS. No thanks. :/

Just something to consider!

Congrats on the new card!! Yay!!

Re: Pre-Approval Web Sites?

Anonymous — Wed, 11 Feb 2009 14:59:38 GMT

I don't think it's a Credit Steps card . . . I already have one of those and trust me, even though I pay on time, the credit barely has raised (started at $300 and is up to $800 over a two year period). I figure my scores aren't that bad so that's why I applied for a new one and hopefully the CL will be better so that I don't have to wait aeons before having a nice CL with them. I have a coupl eof other cards with $3,000 CL's, but ideally, I want one with a larger CL so I have a nice mix.

This is one where it's 0% APR until August and then a 10% APR . . . still high, but decent when you compare it to the Capital One I have now which is about 22% APR.

Re: Pre-Approval Web Sites?

oracles — Wed, 11 Feb 2009 16:00:17 GMT

@Anonymous wrote:
I don't think it's a Credit Steps card . . . I already have one of those and trust me, even though I pay on time, the credit barely has raised (started at $300 and is up to $800 over a two year period). I figure my scores aren't that bad so that's why I applied for a new one and hopefully the CL will be better so that I don't have to wait aeons before having a nice CL with them. I have a coupl eof other cards with $3,000 CL's, but ideally, I want one with a larger CL so I have a nice mix.

This is one where it's 0% APR until August and then a 10% APR . . . still high, but decent when you compare it to the Capital One I have now which is about 22% APR.

10% apr is actually good

Re: Pre-Approval Web Sites?

Anonymous — Wed, 11 Feb 2009 16:57:47 GMT

Do the pre-approval links take points off your score for doing them?

Re: Pre-Approval Web Sites?

score_building — Wed, 11 Feb 2009 17:00:40 GMT

@Anonymous wrote:
Do the pre-approval links take points off your score for doing them?

No, they are typically soft pulls.

Re: Pre-Approval Web Sites?

Anonymous — Wed, 11 Feb 2009 17:02:41 GMT

would anything show up in my report?

like an inquiry or anything

Re: Pre-Approval Web Sites?

score_building — Wed, 11 Feb 2009 17:05:30 GMT

there are two kinds of inqs hard and soft. hard inqs are the kind that ding your score and appear on reports for creditors to view. soft inqs. do not ding your score and are not viewable on your reports to anyone other than you.

@Anonymous wrote:
would anything show up in my report?

like an inquiry or anything

Re: Pre-Approval Web Sites?

Anonymous — Wed, 11 Feb 2009 19:08:38 GMT

Nothing showed up on my CR's report. I only received a hard pull after receiving the pre-approval notice from Capital One and proceeding with the actual application of the credit card.

Re: Pre-Approval Web Sites?

stefnian0426 — Fri, 28 Feb 2014 20:53:42 GMT

Is there anyway to re post this site? when i open it, nothing shows. thank you

Re: Pre-Approval Web Sites?

lhcole77 — Fri, 28 Feb 2014 21:42:49 GMT

@stefnian0426 wrote:
Is there anyway to re post this site? when i open it, nothing shows. thank you

This thread is 5 years old. I know for sure that Citi, Barclays, BofA, Cap1, and Credit One all have pre approval offers at their websites.

Edit: and Chase too =)

Re: Pre-Approval Web Sites?

09Lexie — Fri, 28 Feb 2014 21:49:53 GMT

Thread is locked as the website link is no longer available.

~Lexie