BofA pre-selected offers with firm APR?

[Gmood1]

I received a pre-select offer with a set APR in my email. I also get the offer when I log on to the site. It seems legit, just wondering will they use the same credit pull, if the last pull was done within the last month? It states its good till 8/12/2015. Very curious though I'm not sure if I'd really use any of the cards, besides the 123 rewards card I already have.

[FinStar]

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@Gmood1 wrote:

I received a pre-select offer with a set APR in my email. I also get the offer when I log on to the site. It seems legit, just wondering will they use the same credit pull, if the last pull was done within the last month? It states its good till 8/12/2015. Very curious though I'm not sure if I'd really use any of the cards, besides the 123 rewards card I already have.

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Provided not much has changed as far as your credit profile since the pre-selected offer was made, then you should be able to lock into that APR.  However, they will use an updated CR for the credit decision (i.e. CL and T&C), not the last one which was used for the pre-selected offer.

[Gmood1]

OK gotcha, well if its another hard pull. I'll most certainly pass. Thanks for the info!

[Anonymous]

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@Gmood1 wrote:
OK gotcha, well if its another hard pull. I'll most certainly pass. Thanks for the info!

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Good decision.. If it is not a need then certainly save yourself the hardpull..