topic Re: BB&T Pre-Qualify Offers (3 cards) in Credit Cards

BB&T Pre-Qualify Offers (3 cards)

credit_is_crack — Mon, 15 Apr 2019 00:46:40 GMT

I was poking around BB&T's website on my phone. Was looking over their cards and noticed they have pre-qualification link - didn't know that. I filled it out and got 3 offers. I later double-checked their website on my laptop and don't see this link, but it was available on my phone. I don't have any relationship with them but it put out 3 offers.

Spectrum Cash - 3% Gas, 2% Groceries/Utilities, 0% APR/BT for 12 months, then 17.49% (out of 15.49% to 24.49% range), $0 Annual Fee
Bright Card - 0% APR/BT for 15mo, then 15.49% solid APR (out of 13.49% to 22.99% range), $0 Annual Fee
Spectrum Travel Rewards - 2x Air/Hotel/Car, $89 Annual Fee (waived 1st yr), $50 incidental credit, 17.49% (out of 15.59% to 24.49%) + $200 SUB/$2k spend

Anyone know how solid their offers are? From what I've seen around SL's tend to be in the $4,500 to $7,500 range for strong profiles.

Re: BB&T Pre-Qualify Offers (3 cards)

AverageJoesCredit — Mon, 15 Apr 2019 00:49:58 GMT

Not sure but with your profile and successes, just go for it. Afterall, credit is only crack, and so long as you dont step on it......

Re: BB&T Pre-Qualify Offers (3 cards)

Anonymous — Mon, 15 Apr 2019 00:55:53 GMT

I couldnt find any prequal links. Are you a member already?

Re: BB&T Pre-Qualify Offers (3 cards)

credit_is_crack — Mon, 15 Apr 2019 01:03:39 GMT

@AverageJoesCredit wrote:
Not sure but with your profile and successes, just go for it. Afterall, credit is only crack, and so long as you dont step on it......

LOL Touche AJC. I also just dropped in an app for Union Bank - no instant approval, but no denail either. Got the "your application has been submitted for review" message so curious to see if that goes thru.

Re: BB&T Pre-Qualify Offers (3 cards)

Caught750 — Mon, 15 Apr 2019 00:57:00 GMT

I have the same (but slightly higher APRs). With my recent successes including US Bank Altitude Reserve and CSP I’m hesitant to push my luck, though extremely tempted!

Re: BB&T Pre-Qualify Offers (3 cards)

credit_is_crack — Mon, 15 Apr 2019 00:59:22 GMT

@Anonymous wrote:
I couldnt find any prequal links. Are you a member already?

I am not. I just went to BB&T.com on my phone. BB&T.com < Menu < Banking < Credit Cards and it's in a yellow banner

Re: BB&T Pre-Qualify Offers (3 cards)

credit_is_crack — Mon, 15 Apr 2019 01:02:26 GMT

@Caught750 wrote:
I have the same (but slightly higher APRs). With my recent successes including US Bank Altitude Reserve and CSP I’m hesitant to push my luck, though extremely tempted!

I understand they pull EQ (sitting at 764 F8 right now), but not inquiry sensitive. However I do have 3 new cards that all posted last week so 3/30 days and not sure how sensitive they are about new accounts. I really had 4, but Amex takes a couple months to show so that's not on there yet. $25k Altitude, $20k Synovus V, $10k PNC VS and $10k Amex Schwab. Don't mind pulling the trigger but not if it's going to be an instant denail for 'too many new accounts'

Re: BB&T Pre-Qualify Offers (3 cards)

Caught750 — Mon, 15 Apr 2019 01:08:09 GMT

As I understand it they are far from inquiry/new acct sensitive and pull EQ9. Mine is close to your 8 score and the least pulled. I’m considering some other moves as I’ll be gardening for the extended future soon.

Re: BB&T Pre-Qualify Offers (3 cards)

credit_is_crack — Mon, 15 Apr 2019 01:12:57 GMT

@Caught750 wrote:
As I understand it they are far from inquiry/new acct sensitive and pull EQ9. Mine is close to your 8 score and the least pulled. I’m considering some other moves as I’ll be gardening for the extended future soon.

oh dang even better, my EQ F9 is 797 right now so that should help. Thanks for the info - I just might pull the trigger on this one

Re: BB&T Pre-Qualify Offers (3 cards)

Credit-hoarder — Mon, 15 Apr 2019 01:13:09 GMT

Pre-qualify gave me the Spectrum cards at 21.49% and the Bright at 19.49%. I never touch anything with a pre-qual over 20% + I had a not so good experience with them 6 years ago at the start of my rebuild--so PASS.

Re: BB&T Pre-Qualify Offers (3 cards)

RicHowe — Mon, 15 Apr 2019 01:13:51 GMT

Pre-qualify Link:

https://www.bbt.com/offers/checkOffers

Re: BB&T Pre-Qualify Offers (3 cards)

CreditCuriosity — Mon, 15 Apr 2019 01:33:43 GMT

Have a card with them from when my profile wasn't "clean" and got a 7500 CL(or is it 6500 or 7k, don't remember right off hand) on the cash rewards one.. Just for giggles tried it and pre-approved for all three now with 1 point higher apr than OP had listed.. bb&t and suntrust are merging soon. They dont hand out the biggest CL's I would guess i would get 10k or 12k if i applied now, but no use for the travel card and the no perks card is meh imo. the rewards card is really the only card of real interest although it is nice knowing they like a persons profile. They certainly arent new account or inquiry sensitive my eq is sitting around 770-790 range atm. Maybe they are handing out bigger limits now with the merger of suntrust to become the 6th largest bank, who knows. Although my approval was on the very conservative side of my limits as average is around 18k on my cards with high at 60k and low at 5k

Re: BB&T Pre-Qualify Offers (3 cards)

Caught750 — Mon, 15 Apr 2019 01:19:56 GMT

BBT is in growth mode. I wouldn’t be the least bit surprised to see them pushing cards. Hopefully they’d step up their limits as well. Unfortunately, other than games, I can justify a card. The APR on Bright was comparable to my AR/CSP but obviously I win with the alternatives.

Re: BB&T Pre-Qualify Offers (3 cards)

credit_is_crack — Mon, 15 Apr 2019 01:30:02 GMT

@Credit-hoarder wrote:
Pre-qualify gave me the Spectrum cards at 21.49% and the Bright at 19.49%. I never touch anything with a pre-qual over 20% + I had a not so good experience with them 6 years ago at the start of my rebuild--so PASS.

@Credit-hoarder, I've seen mixed reviews on them. Some have been "no issues with them" and others are horror stories. I think BB&T and Suntrust are merging so could get mildly large. I know both of them are regional banks and both were available back in FL and here in SC too

Re: BB&T Pre-Qualify Offers (3 cards)

credit_is_crack — Mon, 15 Apr 2019 01:39:39 GMT

@CreditCuriosity wrote:
Have a card with them from when my profile wasn't "clean" and got a 7500 CL(or is it 6500 or 7k, don't remember right off hand) on the cash rewards one.. Just for giggles tried it and pre-approved for all three now with 1 point higher apr than OP had listed.. bb&t and suntrust are merging soon. They dont hand out the biggest CL's I would guess i would get 10k or 12k if i applied now, but no use for the travel card and the no perks card is meh imo. the rewards card is really the only card of real interest although it is nice knowing they like a persons profile. They certainly arent new account or inquiry sensitive my eq is sitting around 770-790 range atm. Maybe they are handing out bigger limits now with the merger of suntrust to become the 6th largest bank, who knows. Although my approval was on the very conservative side of my limits as average is around 18k on my cards with high at 60k and low at 5k

I was thinking they might be in push-mode as well with the merger. Never had any experience with Suntrust so they both might be mildly conservative, but my average limit is around $18k as well so not really sure what to expect with this bank. I agree with you about their no rewards card. Their lowest APR is still a bit high compared to other shops, but it's not something I'm turning my nose up to either. The rewards card is the better looking one to me. I'm contemplating "should I try and jump in now or wait until the merger?"

They could have some better revamped cards post merger, but could also tighten up on UW and be more sensitive to new accounts/inquiries which would push me right out the back door with a 10 foot pole

Re: BB&T Pre-Qualify Offers (3 cards)

CreditCuriosity — Mon, 15 Apr 2019 01:43:26 GMT

@credit_is_crack wrote:
@CreditCuriosity wrote:
Have a card with them from when my profile wasn't "clean" and got a 7500 CL(or is it 6500 or 7k, don't remember right off hand) on the cash rewards one.. Just for giggles tried it and pre-approved for all three now with 1 point higher apr than OP had listed.. bb&t and suntrust are merging soon. They dont hand out the biggest CL's I would guess i would get 10k or 12k if i applied now, but no use for the travel card and the no perks card is meh imo. the rewards card is really the only card of real interest although it is nice knowing they like a persons profile. They certainly arent new account or inquiry sensitive my eq is sitting around 770-790 range atm. Maybe they are handing out bigger limits now with the merger of suntrust to become the 6th largest bank, who knows. Although my approval was on the very conservative side of my limits as average is around 18k on my cards with high at 60k and low at 5k
I was thinking they might be in push-mode as well with the merger. Never had any experience with Suntrust so they both might be mildly conservative, but my average limit is around $18k as well so not really sure what to expect with this bank. I agree with you about their no rewards card. Their lowest APR is still a bit high compared to other shops, but it's not something I'm turning my nose up to either. The rewards card is the better looking one to me. I'm contemplating "should I try and jump in now or wait until the merger?"

They could have some better revamped cards post merger, but could also tighten up on UW and be more sensitive to new accounts/inquiries which would push me right out the back door with a 10 foot pole

BB&T is acquiring sun trust which is pretty conversative well actually they both are, but if bb&t is going to be the leader being the one buying out suntrust they most likely won't be tightening up anything anytime soon. Let me know what happens if you give it a swing. . Always like new DP's as we have fairly simliiar scores and limits, etc.. You beat me on the synovous by 2k lol, still wondering how that happened, jk

Re: BB&T Pre-Qualify Offers (3 cards)

UpperNwGuy — Mon, 15 Apr 2019 01:43:26 GMT

Why do you want these cards? None of them are best in class, or even second best.

Re: BB&T Pre-Qualify Offers (3 cards)

credit_is_crack — Mon, 15 Apr 2019 01:50:40 GMT

@CreditCuriosity wrote:
@credit_is_crack wrote:
@CreditCuriosity wrote:
Have a card with them from when my profile wasn't "clean" and got a 7500 CL(or is it 6500 or 7k, don't remember right off hand) on the cash rewards one.. Just for giggles tried it and pre-approved for all three now with 1 point higher apr than OP had listed.. bb&t and suntrust are merging soon. They dont hand out the biggest CL's I would guess i would get 10k or 12k if i applied now, but no use for the travel card and the no perks card is meh imo. the rewards card is really the only card of real interest although it is nice knowing they like a persons profile. They certainly arent new account or inquiry sensitive my eq is sitting around 770-790 range atm. Maybe they are handing out bigger limits now with the merger of suntrust to become the 6th largest bank, who knows. Although my approval was on the very conservative side of my limits as average is around 18k on my cards with high at 60k and low at 5k
I was thinking they might be in push-mode as well with the merger. Never had any experience with Suntrust so they both might be mildly conservative, but my average limit is around $18k as well so not really sure what to expect with this bank. I agree with you about their no rewards card. Their lowest APR is still a bit high compared to other shops, but it's not something I'm turning my nose up to either. The rewards card is the better looking one to me. I'm contemplating "should I try and jump in now or wait until the merger?"

They could have some better revamped cards post merger, but could also tighten up on UW and be more sensitive to new accounts/inquiries which would push me right out the back door with a 10 foot pole
BB&T is acquiring sun trust which is pretty conversative well actually they both are, but if bb&t is going to be the leader being the one buying out suntrust they most likely won't be tightening up anything anytime soon. Let me know what happens if you give it a swing. . Always like new DP's as we have fairly simliiar scores and limits, etc.. You beat me on the synovous by 2k lol, still wondering how that happened, jk

LOL. I'm going to noodle on it tonight because although I've abandonded my gardening, I'm not sure I want 5 new cards posting so quickly. At the same time, 3 have already posted and I had zero negative impact, but I think it's because I've gotten much better at spacing them out in smaller chucks over the lat 18 months.

Re: BB&T Pre-Qualify Offers (3 cards)

credit_is_crack — Mon, 15 Apr 2019 01:53:35 GMT

@UpperNwGuy wrote:
Why do you want these cards? None of them are best in class, or even second best.

"Credit is crack" lol I agree, not best in class for anything right now, but tables do turn from time to time. I was just poking around their website and stumbled upon these, but wasn't pursuing them for any particular reason. "Why" and "Why not" sound the same to me lol

Re: BB&T Pre-Qualify Offers (3 cards)

Credit-hoarder — Mon, 15 Apr 2019 02:14:32 GMT

@credit_is_crack wrote:
@Credit-hoarder wrote:
Pre-qualify gave me the Spectrum cards at 21.49% and the Bright at 19.49%. I never touch anything with a pre-qual over 20% + I had a not so good experience with them 6 years ago at the start of my rebuild--so PASS.
@Credit-hoarder, I've seen mixed reviews on them. Some have been "no issues with them" and others are horror stories. I think BB&T and Suntrust are merging so could get mildly large. I know both of them are regional banks and both were available back in FL and here in SC too

I live in a fairly good sized town in Va. and we have about 5 BB&Ts and a couple of Suntrusts. Not too crazy about either one of them though.