topic Re: Delta 75k Mail offer “pre-approved”? in Credit Cards

Delta 75k Mail offer “pre-approved”?

Anonymous — Tue, 11 Dec 2018 02:10:34 GMT

My son, who is a 20 year old college student with very little income and no credit cards just received the Delta 75,000 mile sub offer in the mail. Does this mean he is pre-approved and has a better than average chance of getting approved for one of the cards? Or is this pure targeted marketing based on the fact he has a Delta SkyMiles number and flies them 1-2 times a year to and from school?

Re: Delta 75k Mail offer “pre-approved”?

FinStar — Tue, 11 Dec 2018 02:32:57 GMT

Unless the offer states he's pre-approved or pre-qualified, then it's simply a marketing solicitation based on his Delta SkyMiles membership.

Does he currently have any other AmEx cards?

Re: Delta 75k Mail offer “pre-approved”?

Anonymous — Tue, 11 Dec 2018 02:34:54 GMT

Not necessarily a pre-approved offer. If the letter has something like the below, then it is very likely is one:

Alternatively if the letter explicitly states "pre-approved" or "pre-qualified" rather than "invitation to apply", then it's real pre-approved offer based on credit screening.

I have received Southwest credit card mail offers from Chase and AA offers from Citi that are not pre-approved (and do not have the pre-screen & opt out notice in the print out), only because I have flied with the airlines. The Delta offer your son received is most likely marketing based on information provided by Delta, not credit screening.

Re: Delta 75k Mail offer “pre-approved”?

Anonymous — Tue, 11 Dec 2018 02:37:59 GMT

More than likely marketing......they used to send them to me all the time even though I would not be approved for the card if I had applied.

Re: Delta 75k Mail offer “pre-approved”?

FinStar — Tue, 11 Dec 2018 02:38:02 GMT

In addition to what's mentioned above, the pre-screened language can also display in any marketing solicitation, but typically a pre-approved or pre-qualified offer is typically more "solid" since those go through additional pre-screening criteria.

Provided not much changed on an individual's profile since the PRM offer was made then it's usually a shoe-in.

Re: Delta 75k Mail offer “pre-approved”?

Anonymous — Tue, 11 Dec 2018 02:45:01 GMT

@FinStar wrote:
In addition to what's mentioned above, the pre-screened language can also display in any marketing solicitation, but typically a pre-approved or pre-qualified offer is typically more "solid" since those go through additional pre-screening criteria.

Provided not much changed on an individual's profile since the PRM offer was made then it's usually a shoe-in.

The notice does not display on the Citi AAdvantage offer, I have one in my hand and just checked. Not displaying on Chase Southwest either but I've already thrown them all away. On the other hand I actually receive these offers during the time I am opted out of prescreened offers.

Re: Delta 75k Mail offer “pre-approved”?

FinStar — Tue, 11 Dec 2018 10:05:58 GMT

@Anonymous wrote:
@FinStar wrote:
In addition to what's mentioned above, the pre-screened language can also display in any marketing solicitation, but typically a pre-approved or pre-qualified offer is typically more "solid" since those go through additional pre-screening criteria.

Provided not much changed on an individual's profile since the PRM offer was made then it's usually a shoe-in.
The notice does not display on the Citi AAdvantage offer, I have one in my hand and just checked. Not displaying on Chase Southwest either but I've already thrown them all away. On the other hand I actually receive these offers during the time I am opted out of prescreened offers.

It's fairly possible that if you are opted out then that language would not display to meet specific compliance requirements regarded unsolicited offers.

I'm opted in, and the snapshot below displays the pre-screened language for a pre-selected to apply offer. I already have 4 AAdvantage CCs (3 with Citi and 1 with Barclays), so as one can see their efforts are to saturate as much as possible 😁

Re: Delta 75k Mail offer “pre-approved”?

Brian_Earl_Spilner — Tue, 11 Dec 2018 04:21:28 GMT

@Anonymous wrote:
Not necessarily a pre-approved offer. If the letter has something like the below, then it is very likely is one:
Alternatively if the letter explicitly states "pre-approved" or "pre-qualified" rather than "invitation to apply", then it's real pre-approved offer based on credit screening.

I have received Southwest credit card mail offers from Chase and AA offers from Citi that are not pre-approved (and do not have the pre-screen & opt out notice in the print out), only because I have flied with the airlines. The Delta offer your son received is most likely marketing based on information provided by Delta, not credit screening.

Chase has nothing to do with the southwest offers. They have a 3rd party that sends them out.

Re: Delta 75k Mail offer “pre-approved”?

Anonymous — Tue, 11 Dec 2018 04:29:00 GMT

@FinStar wrote:
I'm opted in, and the snapshot below displays the pre-screened language for a pre-selected to apply offer. I already have 4 AAdvantage CCs (3 with Citi and 1 with Barclays), so as one can see their efforts are to saturate as much as possible 😁

That's actually very good to know, because I never get offers for the MileUp card and never knew they are sending that one. The only thing I receive is the Platinum Select one like this:

My theory is they are sending these offers based on information provided other than credit bureaus (in this case I guess they are from AA's database), so the credit-related prescreen rule doesn't apply here...

Re: Delta 75k Mail offer “pre-approved”?

JR_TX — Tue, 11 Dec 2018 04:29:00 GMT

Yeah just purely a marketing scheme. Delta sends me those mailers like Papa Johns handing out their $7.99 specials!! Heck even Amex pre-qualifies me for Delta with a stated APR of 18.99!! In the end, I’m still on their “Do Not Pull Credit” list!!