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BB&T pre qualify

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Established Contributor

Re: My BB&T train is stuck....

There you go congratulations on your approval. Another one aboard the BB&T express. Have a seat and enjoy your journey.
NFCU Flagship 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 6,000
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
PNC Core VISA 12,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 900 Fico 8 Scores EQ=760EX=755 TU=750Scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
Message 41 of 162
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Established Contributor

Re: My BB&T train is stuck....

 

My BB&T travel rewards application states

 

"Unfortunately, based on the information you've entered, we cannot continue your BB&T Spectrum rewards credit application online. Please visit your local BB&T financial center to apply in person.

Thankyou for considering BB&T for your banking needs.

 

Does this mean application " reject" or security freeze. im not sure. i dont think i have a security freeze.

Anyone else get a message like this. i m in TX.

Message 42 of 162
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Frequent Contributor

Re: My BB&T train is stuck....

Anyone ever get the we'll let you know in 2-3 days message and if so .did it get approved?
08 ficos 9/2019 eq 685 tu 704 ex 677
Message 43 of 162
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Established Contributor

Re: My BB&T train is stuck....

Not me.
NFCU Flagship 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 6,000
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
PNC Core VISA 12,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 900 Fico 8 Scores EQ=760EX=755 TU=750Scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
Message 44 of 162
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Valued Member

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

I came across this post and figured I’d give it a shot, since I’ve already went in a ridiculous app spree in the last week.... Smiley Sad I have been turned down my everyone for inquiries... even Comenity for the good Sam card

Checked the pre-qual site and I was pre-approved for all 3. Figured they had to be inaccurate marketing offers, not real prequals.. Apped anyway and went to review. Shrugged it off as no surprise.

Got an email today (3 days post app) that I was approved for the cash rewards. I don’t know any of the terms yet and customer service said they couldn’t see my limit yet either.

Data points:
-pulled EQ - score 695 Fico 8
-currently showing 4 paid C/Os, repo that is reporting as Happening in 2018 instead of 2017, and a student loan in default that was successfully rehabbed but not reported to my reports, and a ton of lates
-oldest account 12 years 6 mons, average age of accounts 6 years 4 months, and 9/24 accounts
-almost 30 inquiries (yeah I know... whoops)

I think this is pretty solid evidence that their prequals are solid. Again, don’t know my limit.. for all I know it’s $500 (I don’t know what their minimums are) but the fact that I was approved at all blows my mind.
Message 45 of 162
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Super Contributor

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

Was approved just as many others with the SP. From the approvals forums looks like this one is a shoe in.

However with my lowest line above 10K with multiples of 20K long history accounts, i've decided i will call when the card comes tomorrow or next day and close it stating to them it's of no interest for me to add a low ball line in comparison to overall profile.

 

Good thing it was a SP since the only drawback would be a hit to AAOA and since it likely is already reporting, the next following month it will join the Closed By Consumer group.

Message 46 of 162
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Established Contributor

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

where is the link for the prequalify tool?

Message 47 of 162
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Established Contributor

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

oh it's right on the homepage LOL!

 

Not offered for wisconsin residents though. 

Message 48 of 162
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Valued Member

Re: My BB&T train is stuck....

I applied since I saw so much success. I was pre-qualified for all 3, and I went with the BRIGHT card because of the balance transfer offer and no annual fee. I was approved for $5,500.
UTIL as of 3/2019 - 9% | FICO Scores - (As of 3/2019) - EX 712 | TU 734 | EQ 727
Retail and Store Credit: Synchrony HOME - $4000 | Children's Place - $1K | Saks - $2250 | Neiman Marcus - $1500 | Ulta - $1K | JCP - $700 | Lowe's - $5300 | TJ Maxx - $900 | Macy's - $2000 | AE - $1650 | Tires Plus - $1400 | Abercrombie - $850 | Gap - $2500 | Old Navy - $2500 | VS - $1850 | BP - $900 | Chevron - $1750 | Citgo - $500 | Amazon - $6K | Belk - $300 | Bloomingdales - $300 | Express - $750 | Kay's - $5100 | CareCredit - $9800 | Walmart - $1600 | Discount Tire - $1700 | Sunoco - $300 | Kohl's - $600 | Zales - $1300 | Navy Fed CLOC - $500 | NewEgg - $1800
Message 49 of 162
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Contributor

Re: My BB&T train is stuck....

EQ has to be thawed for the pre-qual and app?
Message 50 of 162
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