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BB&T Now Sending Emails When You Don't Accept Their Pre-Qual

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Gonzozap
Frequent Contributor

BB&T Now Sending Emails When You Don't Accept Their Pre-Qual

So I applied a while back when I read about the soft pulls.  Got approved and accepted the offer. 

 

About 2 weeks ago, I decided I would try again after reading about all the trifectas.  Got pre-qualified for all 3, but then decided to pass since I didn't want to waste a new card with a relatively smaller limit - even for a SP because it would still affect my AAoA.

 

So now they are sending emails asking me to accept the offer.  They've sent 3 over the past 3 weeks.

 

Anyone else experienced this?  This bank REALLY wants to spread its credit around.  Weird.  I wish I knew if having a great history on a current card could lead to a hgher limit on a 2nd card.  I've read where folks say they got like $3500 across the borad on all 3 cards.

Message 1 of 10
9 REPLIES 9
UH_HUH
Valued Contributor

Re: BB&T Now Sending Emails When You Don't Accept Their Pre-Qual

Being fiscally responsible with your

credit depends on your decisions.

They have indicated they will extend

you more. Do the math,AAoA,other factors

and see what does or doesn't happen.

I have never seen a second or third card

reach a higher SL for what it's worth.

Congrats on the one BB&T card :-)

Cheers

 

Message 2 of 10
althes
Frequent Contributor

Re: BB&T Now Sending Emails When You Don't Accept Their Pre-Qual

I wish they weren't geo locked.

Message 3 of 10
Anonymous
Not applicable

Re: BB&T Now Sending Emails When You Don't Accept Their Pre-Qual


@althes wrote:

I wish they weren't geo locked.


For real! A SP gem comes along and I can't get it. 😡

Message 4 of 10
Jnbmom
Credit Mentor

Re: BB&T Now Sending Emails When You Don't Accept Their Pre-Qual


@Gonzozap wrote:

So I applied a while back when I read about the soft pulls.  Got approved and accepted the offer. 

 

About 2 weeks ago, I decided I would try again after reading about all the trifectas.  Got pre-qualified for all 3, but then decided to pass since I didn't want to waste a new card with a relatively smaller limit - even for a SP because it would still affect my AAoA.

 

So now they are sending emails asking me to accept the offer.  They've sent 3 over the past 3 weeks.

 

Anyone else experienced this?  This bank REALLY wants to spread its credit around.  Weird.  I wish I knew if having a great history on a current card could lead to a hgher limit on a 2nd card.  I've read where folks say they got like $3500 across the borad on all 3 cards.


It seems like whatever SL you get with first card, you seem to get the same line with the second and for some third cards and yes I have seen 4, 5, and 6 Smiley Surprised

EXP 780 EQ 791TU 795
Message 5 of 10
GApeachy
Super Contributor

Re: BB&T Now Sending Emails When You Don't Accept Their Pre-Qual

This is a smart move for them....they made the list; don't wanna lose their spot. 

Rank Bank name Total assets

1JPMorgan Chase & Co.$2.74 trillion
2Bank of America Corp.$2.38 trillion
3Citigroup Inc.$1.96 trillion
4Wells Fargo & Co.$1.89 trillion
5Goldman Sachs Group Inc.$925.35 billion
6Morgan Stanley$875.96 billion
7U.S. Bancorp$475.78 billion
8PNC Financial Services Group Inc.$392.84 billion
9TD Group US Holdings LLC$384.07 billion
10Capital One Financial Corp.$373.19 billion
11Bank of New York Mellon Corp.$346.13 billion
12Charles Schwab Corp.$282.82 billion
13State Street Corp.$228.33 billion
14BB&T Corp.$227.68 billion
15SunTrust Banks Inc.$220.43 billion
My Take Home Pay Don't Take Me Home
Message 6 of 10
Meanmchine
Super Contributor

Re: BB&T Now Sending Emails When You Don't Accept Their Pre-Qual

Its always nice to have options!

 

Good luck whatever you choose

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 7 of 10
NoMoreE46
Community Leader
Senior Contributor

Re: BB&T Now Sending Emails When You Don't Accept Their Pre-Qual

As a side note, BBT plans to merge with SunTrust.

Message 8 of 10
Gotham-
Frequent Contributor

Re: BB&T Now Sending Emails When You Don't Accept Their Pre-Qual

ABSOLUTELY Merger Done! on paper but a little ways out from systems integrating and it has already been confirmed.. They should move up in Rank as well Anyone applied recently and is it a soft pull ?
2018 Dec Starting Score: 700
Current Score: 778
Achieved Goal Score 2020: 800

Take the myFICO Fitness Challenge

Message 9 of 10
GApeachy
Super Contributor

Re: BB&T Now Sending Emails When You Don't Accept Their Pre-Qual

I did, 15 days ago.  SP success!  Someone did receive a HP.  I think it's upthread.  Someone else, >than 4 or 5, all sp's.

My Take Home Pay Don't Take Me Home
Message 10 of 10
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