CapOne Pre-Qual letter vs pre-approve site?

[Baywatch]

I have received 2 pre-qualification letters in the past week for a CapitalOne QuickSilver card. I am just emerging from Chapter13 discharge, so am a little skittish about hard pulls so I went to the pre-approve site and checked there and was declined. 

I am curious why they would send me the letter if I am not approvable? 

Coincidentally, I just spoke to Capital One on Friday regarding a separate incident where someone had used my info to open a CapitalOne checking account, so I called them to report it as fraud and had it closed down. I'm not sure if that could be a factor here?

[babygirl1256]

It's probably just their standard marketing letter . . . I continue to receive E-mail invites that I ignore . . . no more hard pulls in 2022!!!

[SUPERSQUID]

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@Baywatch wrote:

I have received 2 pre-qualification letters in the past week for a CapitalOne QuickSilver card. I am just emerging from Chapter13 discharge, so am a little skittish about hard pulls so I went to the pre-approve site and checked there and was declined. 

I am curious why they would send me the letter if I am not approvable? 

Coincidentally, I just spoke to Capital One on Friday regarding a separate incident where someone had used my info to open a CapitalOne checking account, so I called them to report it as fraud and had it closed down. I'm not sure if that could be a factor here?

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If it were me and i got the prequal mailers and then a denial on the prequal site i would not apply, 3 hp's is not worth a denial.

The mailers may just be marketing, the online denial holds more weight in my view, ymmv

[OmarGB9]

The mailers are just marketing. The marketing department is always separate from the department that actually runs your credit and makes the decisions (actually in Capital One's case, a computer makes all the credit decisions). It's a classic case of "the left hand doesn't know what the right hand is doing."