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BB&T pre qualify

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Regular Contributor

Re: BB&T question


@titancylinder wrote:
Hey OP

BBT is one of my co primary banks so I can help you . BBT has no limit on how many cards you can have with them. If you wanted two spectrum, two travel, two bright, they will give you all 6 in the same day.

They're a very odd bank. The thing that sucks though is every cli is a hard pull and there are no auto clis. But they will definitely account review your credit reports periodically. Though I've not seen any adverse action from said AR.

One last thing, be very cautious with them as they will and have double pulled my Equifax reports.

Good luck !

So to get thet card initially is it still a soft pull? Just any future adjustments are hard pulls?



Message 141 of 152
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New Contributor

Re: BB&T question

That is correct.
Message 142 of 152
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Established Member

Re: BB&T soft pull??


@SifiUSa wrote:

@Lizzo wrote:

Did I mess up? When I was first pre-qualified for all three cards, I only clicked one button instead of opening the other two as new tabs.. Does this mean I won't see them again on the offers page?

 

Also, got my card already and made my BT.


You will see them again but BBT may do not give you a pre-qual. I applied 6 mths ago for the reward and apply for the Bright last week since then when I try to see the third one I'm not receiving any offers anymore. Maybe 2 is the max? Not sure. I did not receive the second card yet. Good luck. My SL is $5000 for each one of them.


I received a second card. CLI is a hard pull.

Message 143 of 152
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Senior Contributor

Re: BB&T soft pull??


@Meanmchine wrote:

My brother apped for the cash back version and the approval hit the CRs before he got the card in the mail  ( August or so ). I would definately NOT app for this card first if doing a prolonged spree


It's weird cuz I still haven't had my card report; opened Dec. 14th.  Some, like your brother, had it hit their reports immediately. My other two cards were turtles as well.  Wish this one didn't all, how cool would that be?!?  Incognito CardSmiley LOL (wishful thinking)

@Lizzo...has yours reported yet?

"MY TAKE HOME PAY WON'T TAKE ME HOME"
Message 144 of 152
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Regular Contributor

Re: BB&T soft pull??

Just for data point purposes, I app'd for my BB&T card on 11/5 (soft pull) and the new account reported on 11/25.

Message 145 of 152
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Regular Contributor

Re: BB&T soft pull??

Another data point. I apped on 16DEC19 soft pull. Still nothing showing on reports as of 09JAN20. So reporting time obviously varies.



Message 146 of 152
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Senior Contributor

Re: BB&T soft pull??


@CerebralZulu wrote:

Another data point. I apped on 16DEC19 soft pull. Still nothing showing on reports as of 09JAN20. So reporting time obviously varies.


CSR confirmed my newest card won't report until the 30th, give or take a day or so.  You and I got our cards two days apart....if that helps.

"MY TAKE HOME PAY WON'T TAKE ME HOME"
Message 147 of 152
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Established Member

Bb&t cards

Anyone have any data points on Bb&T?

  • i went to the pre approval site and got 3 offers all had under 20% rate listed. All 3 also had accept offer links. Scores just shy of 700. Curious to see what some starting limits are. 
    thanks
Message 148 of 152
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Senior Contributor

Re: Bb&t cards

Congratulations on your offers! There's tons of data points in the Credit Card Approvals forum.

Message 149 of 152
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Established Contributor

Re: Bb&t cards


@Jastubs wrote:

Anyone have any data points on Bb&T?

  • i went to the pre approval site and got 3 offers all had under 20% rate listed. All 3 also had accept offer links. Scores just shy of 700. Curious to see what some starting limits are. 
    thanks

They gave me $6500 @ 18.99%

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL - 5% rotating
AMEX BCP - $10500 SL - 6% groceries
BBVA Clear Points Rewards - $15300 SL - 3% utilities
PayPal Mastercard - $10000 CL - 2% General
PNC Cash Rewards - $5000 SL - 4% gas 3% restaurants
BB&T Spectrum Cash Rewards VS - $6500 SL - 3% gas
Cap 1 Quicksilver - $1600 CL(DW’s card) - 1.5%
Credit One Platinum - $1500 (DW’s starter card) - 1%
AMEX Cash Magnet - $2000 SL (DW’s) 5% general (6 mos)

Total CL - $68800

Cash Back and SUBs earned as of 2/17/20 - $2215.52

In the garden lettin’ ‘em grow!

CU Memberships


FICO 8 Scores as of 2/20/20
731 Experian, 744 TransUnion, 739 Equifax

Goal cards:
Message 150 of 152
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