@Trini88 wrote:
@SoCalGardener wrote:
@coldfusion wrote:If the preapproval was made via the Special Offers section of the Activity Center than yes it is a valid preapproval, BUT if this recent CLI spree was accomplished within the last 2-3 months your odds of an actual approval may be diminished. That preapproval was made based upon the state of your credit profile at some point in the recent past but there's no way of knowing for certain at what point in time it was looked at. It could have been before, or after, your recent CLI spree.
I've noticed you saying that before, and you know what? After 30+ years with BofA, I NEVER KNEW THAT!! Not until I saw your posts. I've been passing up offers left and right for decades, not knowing that anything in my "Special Offers" was good to go!
I love how I'm always learning something new here.
I just checked BOA as well. Had no clue there was a Special Offers tab 😑
Ha ha!! 
I knew it was there, and I usually clicked it when it showed a new offer, but I didn't routinely accept them. For credit cards, I never accepted them--as I figured there'd be a hard pull. For BT offers or other things, I did occasionally accept them, depending on what their terms were. But all this time I did not know that you could consider 'Special Offers' legitimate pre-approvals for credit cards!
@SoCalGardener wrote:
@Trini88 wrote:
@SoCalGardener wrote:
@coldfusion wrote:If the preapproval was made via the Special Offers section of the Activity Center than yes it is a valid preapproval, BUT if this recent CLI spree was accomplished within the last 2-3 months your odds of an actual approval may be diminished. That preapproval was made based upon the state of your credit profile at some point in the recent past but there's no way of knowing for certain at what point in time it was looked at. It could have been before, or after, your recent CLI spree.
I've noticed you saying that before, and you know what? After 30+ years with BofA, I NEVER KNEW THAT!! Not until I saw your posts. I've been passing up offers left and right for decades, not knowing that anything in my "Special Offers" was good to go!
I love how I'm always learning something new here.
I just checked BOA as well. Had no clue there was a Special Offers tab 😑
Ha ha!!
I knew it was there, and I usually clicked it when it showed a new offer, but I didn't routinely accept them. For credit cards, I never accepted them--as I figured there'd be a hard pull. For BT offers or other things, I did occasionally accept them, depending on what their terms were. But all this time I did not know that you could consider 'Special Offers' legitimate pre-approvals for credit cards!
They can be, but we've seen on occasion where a denial can still happen here or there. Obviously nothing is ever 100% guaranteed when it comes to these offers as well since it's still profile-dependent. And, yes, as stated on another thread, it'll be a HP if the offer is accepted (not SP).
@FinStar wrote:
@SoCalGardener wrote:
@Trini88 wrote:
@SoCalGardener wrote:
@coldfusion wrote:If the preapproval was made via the Special Offers section of the Activity Center than yes it is a valid preapproval, BUT if this recent CLI spree was accomplished within the last 2-3 months your odds of an actual approval may be diminished. That preapproval was made based upon the state of your credit profile at some point in the recent past but there's no way of knowing for certain at what point in time it was looked at. It could have been before, or after, your recent CLI spree.
I've noticed you saying that before, and you know what? After 30+ years with BofA, I NEVER KNEW THAT!! Not until I saw your posts. I've been passing up offers left and right for decades, not knowing that anything in my "Special Offers" was good to go!
I love how I'm always learning something new here.
I just checked BOA as well. Had no clue there was a Special Offers tab 😑
Ha ha!!
I knew it was there, and I usually clicked it when it showed a new offer, but I didn't routinely accept them. For credit cards, I never accepted them--as I figured there'd be a hard pull. For BT offers or other things, I did occasionally accept them, depending on what their terms were. But all this time I did not know that you could consider 'Special Offers' legitimate pre-approvals for credit cards!
They can be, but we've seen on occasion where a denial can still happen here or there. Obviously nothing is ever 100% guaranteed when it comes to these offers as well since it's still profile-dependent. And, yes, as stated on another thread, it'll be a HP if the offer is accepted (not SP).
That's very good to know. Thanks, @FinStar! You're certainly right about nothing being 100% guaranteed--not only in the credit world, but life in general! 
@coreyb80 wrote:
@coldfusion wrote:If the preapproval was made via the Special Offers section of the Activity Center than yes it is a valid preapproval, BUT if this recent CLI spree was accomplished within the last 2-3 months your odds of an actual approval may be diminished. That preapproval was made based upon the state of your credit profile at some point in the recent past but there's no way of knowing for certain at what point in time it was looked at. It could have been before, or after, your recent CLI spree.
I recently had this happened to me. I had a special offer, apped, turned down, but offered a secured card that I glady took. I'm shocked they even took me with an active 13. I've been banking with them for many years so I'm sure that played a part.
That backs up @FinStar's point about nothing being 100%. But, really, considering you're currently in BK, I'm not surprised you weren't approved. I'm glad you were offered, and accepted, a secured card--at least it's a foot in the door.
@blackfines1 wrote:yes i belived it is solid. if they ( boa ) make the offer then your chance are 99%
I don't know about 99%. Maybe more like 60%.
