topic Re: Where to find prequals besides the obvious in Credit Cards

Where to find prequals besides the obvious

Anonymous — Sun, 25 Feb 2018 23:25:53 GMT

I have used these 3 sites for seeing my prequals:

www.americanexpress.com

www.citicards.com

www.discovercard.com

Where else would I look to see what cards I may be prequaled for?

Thanks,

Brew

Re: Where to find prequals besides the obvious

Moneyklutz — Sun, 25 Feb 2018 23:32:21 GMT

US Bank

Chase

Cap One

Re: Where to find prequals besides the obvious

Anonymous — Sun, 25 Feb 2018 23:34:17 GMT

Is the CapOne a HP?

Askes for full SSN

Re: Where to find prequals besides the obvious

Moneyklutz — Sun, 25 Feb 2018 23:34:51 GMT

No sir... never has been for me

Re: Where to find prequals besides the obvious

Anonymous — Sun, 25 Feb 2018 23:35:54 GMT

thank you

Re: Where to find prequals besides the obvious

Anonymous — Sun, 25 Feb 2018 23:38:58 GMT

This was the result.

Which do you think I would get best SL with a 130k salary

thanks

Cap One

Re: Where to find prequals besides the obvious

Moneyklutz — Sun, 25 Feb 2018 23:46:28 GMT

@Anonymouswrote:
thank you

Promise to keep it on the down-low... all the good peeps in the garden might label me as an instigator.

*edit* As to your SL question, since either card can eventually PC over to a regular QS (without the AF) I'd snag the QS1 and use it as my primary spend making that 1.5% offset the fee and then some. Starting limits though... I have no clue if either is better than the other. Hazarding a guess I'd bet they are the same?

Re: Where to find prequals besides the obvious

Gidgetmom — Sun, 25 Feb 2018 23:50:22 GMT

Those are both sub-prime cards. I have heard of starting lines up to $3,000 on the Platinum...but some also get $300 limits and a varying credit steps CLI in 5 months.

In my opinion, based on your scores in sig, there is something in your profile that they don’t like right now.

It appears you are having a hard time getting preapprovals? I would give it time and good payment/utilization behavior....the preapprovals will come again. There comes a point in credit that it just takes time.

Best of luck to you!

Re: Where to find prequals besides the obvious

Anonymous — Sun, 25 Feb 2018 23:56:25 GMT

probably recent lates although that is 5 months ago as well as 1 collection 3 years old. other than that the report is fine.

*Edit* I got approved for 3k SL on Chase 4 months ago with a FICO 8 score of 635...

IDK :/

Re: Where to find prequals besides the obvious

Moneyklutz — Mon, 26 Feb 2018 00:09:57 GMT

@Anonymouswrote:
probably recent lates although that is 5 months ago as well as 1 collection 3 years old. other than that the report is fine.

*Edit* I got approved for 3k SL on Chase 4 months ago with a FICO 8 score of 635...

IDK :/

When in doubt...wait it out.

I've eventually learned to treat my credit cards as tools rather than toys. Getting a daily spend cash back card is great but remember to look at the long term rather than the "I want it NOW!"

(This wisdom moment is brought to you by years of experience in not always doing what was smart...however it was quite fun ! )

Re: Where to find prequals besides the obvious

Gidgetmom — Mon, 26 Feb 2018 00:10:33 GMT

Could be they are wanting you to have some time with Chase, before offering up better cards.

My scores are 733-759 with 1 late over 3 yrs ago and 8% utilization. I’m not getting any prequals either right now. My last card was Discover last October. I am taking the “no good prequals” for me as a sign that I need to give it more time. It may be what they want from you. IDK...my opinion. 😎

You have to do what feels right for you. If it’s a higher starting line you want, you might wanna hold off on applying for a while. At least until better preapprovals start rollin’ in. Again, my opinion...

Re: Where to find prequals besides the obvious

Anonymous — Mon, 26 Feb 2018 00:14:04 GMT

thank you. Im not loking for highest SL per se. I am closing on my house April 12th and will have $10k cash/current cards. Id like another $10k to spend so if I can get a combination of CCs with a total SL of $20k, I can keep UTI manageable.

Re: Where to find prequals besides the obvious

Moneyklutz — Mon, 26 Feb 2018 00:17:47 GMT

OMG wait till after closing before applying for any new credit!!!!!!

Re: Where to find prequals besides the obvious

Anonymous — Mon, 26 Feb 2018 00:19:34 GMT

HAHAHAHA. I know! thats why Im doing the prequal legwork now...

April 12th AFTER closing

Re: Where to find prequals besides the obvious

Gidgetmom — Mon, 26 Feb 2018 00:20:31 GMT

That makes sense. I don’t think either of those cap one’s would give you the starting line your hoping for.

doctor of credit has a list of all the prequal sites.

if you can hold off until after you close, I think you’d have better luck getting what you want.

BTW, Monkey....too freakin funny! 😂.

Re: Where to find prequals besides the obvious

Moneyklutz — Mon, 26 Feb 2018 00:25:08 GMT

*PHEW*

carry on..nothing to worry about.

*hides the defibrillator behind his back with a silly smile on his face*

Re: Where to find prequals besides the obvious

chaos51 — Mon, 26 Feb 2018 02:29:56 GMT

IME CapOne approvals for QS1 and Platinum are not going to net you the approval you want. Also, just because they only show prequal for those cards now, doesn't mean that won't change soon. DW has a sub 700 fico 8 and is very very new to credit, but CapOne shows prequal for her on Venture, QS, and Savor. I only show QS1 and Platinum, but I think that is mostly because of my massive amounts of newer credit and inquiries vs her having two-ish new accounts in two-ish years, and no hardpull for her most recent card. My income is around $95k, and she is around $75k now. If you want a big limit with CapOne, hold out for Venture. If you want a card that matches your spend and you're okay with rolling the dice on limit, then go for the card you think is best. Just my two pennies.