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BB&T pre qualify

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New Member

Re: Anyone get declined for BBT after being prequalified??

I usally don't apply for a CC unless I'm sure I will be approved.  I went to the BBT website, did the "pre-qualified" test, and it offered me 3 choices. I went for the travel card.

28 May Email #1 In 2-3 business days, you’ll receive an email telling you whether the application has been approved or denied.

29 May Email #2 Your application has been reviewed by an account services specialist, and you should receive our decision in the mail within 7-10 business days.

I went back to BBT website and retook the "pre-qualified" test. 

And the result was: "Unfortunately, we were unable to locate any offers at this time."

Now isn't that special.  

 

Message 81 of 117
Established Contributor

Re: Anyone get declined for BBT after being prequalified??

 

This is what you need to do. i got exactly the message you describe in your post.

 

1.Go into a branch and tell the CSR you need to create a profile with BBT. Make sure they dont sign you up for a checking/savings account.
2. Once profile is created, ask to see if any offers for a credit card is available.

3. If there is one, tell CSR to call credit card division of BBT and talk to rep. Let the CSR read the application from your profile to Credit card division CSR.

4. You will have your decision instantaneously. Do not apply if there are no offers; that would mean an HP.

 

i applied exactly as described above and was approved for a $5000 SL for a Rewards card. once you are approved or declined there will be no more offers available & every app you make is a hard pull.


@gorgon wrote:

I was pre-qualified for all three as well and went for the Cash Rewards. Was not declined, just got a message that they weren't able to continue my application at this time and to apply at a branch. No idea what that means.


 

Message 82 of 117
Frequent Contributor

Re: Anyone get declined for BBT after being prequalified??

If pre qualified thur the online site i havent heard of no denials
08 ficos 9/2019 eq 685 tu 704 ex 677
Message 83 of 117
Regular Contributor

Re: Anyone get declined for BBT after being prequalified??


@MyNameIsGroot wrote:

I usally don't apply for a CC unless I'm sure I will be approved.  I went to the BBT website, did the "pre-qualified" test, and it offered me 3 choices. I went for the travel card.

28 May Email #1 In 2-3 business days, you’ll receive an email telling you whether the application has been approved or denied.

29 May Email #2 Your application has been reviewed by an account services specialist, and you should receive our decision in the mail within 7-10 business days.

I went back to BBT website and retook the "pre-qualified" test. 

And the result was: "Unfortunately, we were unable to locate any offers at this time."

Now isn't that special.  

 

 

It seems once you accept one of the offers, the prequals go away. I also have no offers after accepting my prequal offer. 


 

PenFed Power Cash ($15,000), NFCU GoRewards Sig ($18,000), PNC Cash Rewards ($10,500), PNC Cashbuilder ($10,000), NFCU CashRewards Sig($12,000), Ebates Platinum VS($10,000), Paypal 2% MC($7700), Wells Fargo CashWise($7000), Amex BCE($6000), Amex ED($6600), Synchrony Financial ($25,000), BBVA Clear Points ($3800), Amex Cash Magnet($2000), Walmart MC($8000), Fifth Third Truly Simple ($4000), BB&T Spectrum Cash Rewards($4500), BB&T Bright Card($4500), CapOne Quicksilver($1500), JCP($10,000), Care Credit($15,000), RoomsToGo($11,000), US Bank Cash 365 ($2500), US Bank Cash+ ($1,000), Wayfair($11,000), HSN($8000), Overstock($11,850), Lowe’s ($25,000), Trek Card($4250), WF mortgage 195K Fico 8: EQ 691, TU 709, EX 708, AAoA-86 months, AoOA-23 years, Fico 9: EQ 734, TU 737, EX 713
Message 84 of 117
New Member

BB&T cash rewards unavailable for use

Hello all,

I really a lot from this forum, after a friend of my recommended for to read and research items about my credit and gardening.

I recently applied for bb&t cash rewards and was approved for $6500. I also was approved for bb&t bright card but the card was never mailed out.

I have called customer service multiple times for weeks, I was told that I have to wait on a specific person to call me back about both of my accounts because none the agents can provide me any information over the phone.

Has this happened to anyone else that these two cards. I understand there are no backdoor numbers for bb&t, what should I do I just need advise.

Thanks in advance
Please help

Message 85 of 117
Regular Contributor

Re: BB&T cash rewards unavailable for use

If I remember correctly others here have had to wait a long time for their second and third cards.....Do a research here and you should find some info about it.

Message 86 of 117
Valued Contributor

Re: BB&T cash rewards unavailable for use


@Samuelslq157 wrote:

... what should I do ...


Ask for a 3rd card? Eventually a couple of them will show up.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2019): FICO 08 EXP: 747; TU: 749; EQ: 747
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 87 of 117
Regular Contributor

Re: BB&T cash rewards unavailable for use


@Samuelslq157 wrote:

Hello all,

I really a lot from this forum, after a friend of my recommended for to read and research items about my credit and gardening.

I recently applied for bb&t cash rewards and was approved for $6500. I also was approved for bb&t bright card but the card was never mailed out.

I have called customer service multiple times for weeks, I was told that I have to wait on a specific person to call me back about both of my accounts because none the agents can provide me any information over the phone.

Has this happened to anyone else that these two cards. I understand there are no backdoor numbers for bb&t, what should I do I just need advise.

Thanks in advance
Please help


I applied and was approved for all 3. Each one took longer to show up than the last. The third was well over a month

Message 88 of 117
Established Contributor

BB&T 3 offers

Finally had offers on the BB&T site. I feel good about the offers, but I am going to stick to gardening. I wanted the offer more than the card.

Screenshot_2019-06-27 BB T - Exclusive Offers.png



“If you don’t know, the thing to do is not to get scared, but to learn.” – Ayn Rand
Message 89 of 117
Valued Contributor

Re: BB&T 3 offers

I got a bright recently with SP.

A few weeks later got another preapproval for any of the 3.

Pretty sure I could get another account with SP.

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $275k+ unsecured credit in 2019.

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Message 90 of 117
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