Credit Card Pre-Qualification Links

[Anonymous]

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@FiveOhFour wrote:

i keep forgetting what gardening is, letting your recent spree mature?

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It's a bit more than that. Gardening, as we call it here, essentially means not applying for any new credit accounts, whether the application causes "hard pulls" of your credit report or "soft pulls", for a certain period of time, and maturing your existing accounts, whether or not you've recently acquired them, by letting them age and by building up a history of responsible use and payment. The idea is that the "older" your accounts get and the longer history you show of on-time, over-minimum payments (ideally by paying in full as often as possible) and keeping your overall utilization of your credit portfolio and specific utilization of accounts as low as possible while maintaining a pattern of regular use, the better the effect over time on your credit scores and reports is and the better your chances are of getting new credit cards or loans when you apply for them. Part of "gardening" also involves allowing any negative items, such as late payments, to age so that they have less of a bad effect on your reports or, if they're old enough, even drop entirely off your reports.

[stinastina]

I'm getting a server error for Home Depot, too. Maybe that is their decline method ?

[Khalifa_Jayy]

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@Anonymous wrote:

This seems to come up a lot so I thought I'd compile a list. Please comment about any other links with good pre-qualification sites and I'll update it.

• US Bank
• Discover (After submitting, scroll down to the section giving rates. If it's a single rate or a narrow range (3%) it's potentially a good pre-qualification. If it's a wide range, it's likely just marketing and is not a pre-qualified offer).
• AMEX
• Chase
• Citi
• Capital One
• Merrick
• Home Depot

Happy hunting!

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Hmmm... got 3% range in Discover prequal. Definitely keeping that in my back pocket for early next year! Good post and great insight! Any other notes like that for the other players?

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[FiveOhFour]

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Hmmm... got 3% range in Discover prequal. Definitely keeping that in my back pocket for early next year! Good post and great insight! Any other notes like that for the other players?

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Interesting i constantly get mail from them with pre-qual offers but the site mentions nothing of prequal and just says "how does your credit stack up" and shows a APR range of 11-24%

[FiveOhFour]

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@stinastina wrote:

I'm getting a server error for Home Depot, too. Maybe that is their decline method ?

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Nope its definitely just broken, even using my mom's info who's credit is in the 820's results in the same error. 

[Anonymous]

Got the same message. The exact same 

[Anonymous]

Does anyone know if these places SP at the time of your request or if they use lists, and if they use lists, how often they update them? Some of them tell me they periodically refresh their prescreen lists and to come back later, and now that my credit has improved considerably I thought I'd maybe see some more solid pre-qualifiers on some of the sub-prime lenders, but I'm not.

I really don't need more credit, per se, but I'm itching to get my first unsecured major card and also to help with utilization some since my limits (secured and store cards) are so small I can't really use the cards for anything other than basic purchases and PIF, and I'm not even remotely interested in adding yet another HP to my reports for another denial. I know my scores are still too low for many banks, but I was hoping to at least score something from Merrick. My husband had them as a rebuilder and when he got the pre-qualification his scores were lower than mine now and he had a relatively fresh BK.

[Anonymous]

Actually the truth is credit one had it before capital one

[forestgreenrover]

Well rowdy dow dow!

[Anonymous]

Hi everyone! This is my first post but have been here for years getting great tips from everyone. Don't forget to add the IKEA Projekt card to the list of Pre-Qualification Links.

https://d.comenity.net/ikeaprojekt/pub/prequalify/Prequalify.xhtml

This is a great card to have and very generous with limits. My wife recently checked and was pre-qualified for $5,500, applied and approved! Requested a credit limit increase and approved for $8,500.. logged off and back in for the "double-dip" and approved again for $13,000.