How legit is this?.

[Anonymous]

[Anonymous]

That's a legit prequal. HOWEVER...

ymmv if anything has changed in your profile.

not every prequal is a guaranteed offer of credit.

blah blah blah

[KSK1912]

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@Anonymous wrote:

That's a legit prequal. HOWEVER...

ymmv if anything has changed in your profile.

not every prequal is a guaranteed offer of credit.

blah blah blah

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+1

especially with Citi. They sent me the same offer while back, and i decided to go to their website and check preq, and actually it came back with 2 offers, apped, and a no go on either one of them. Check their website too and see if it still shows you the same card on the prequalified cards. Good Luck!

[Anonymous]

Same pre qual I got. I didn't like the APR, though, so I applied direct. Got 16.24% instead.

[Anonymous]

What worries me is whom they will pull. CPDB stats are that in Florida they will pull Eq(687) or Ex(728) enhanced CC score. 

My issue is that it's a coin toss whom they will pull. 

[Anonymous]

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@Anonymous wrote:

Same pre qual I got. I didn't like the APR, though, so I applied direct. Got 16.24% instead.

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Intriguing. I might explore this option. If I app. Last Inq was two months ago. 7 months since the ones before. But damn I want that card. 🤔

[Anonymous]

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@Anonymous wrote:

What worries me is whom they will pull. CPDB stats are that in Florida they will pull Eq(687) or Ex(728) enhanced CC score. 

My issue is that it's a coin toss whom they will pull. 

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I'm in Florida and Citi pulled both Eq and Ex for me. I had the same pre-qual and was approved for $7500. Scores a little higher than yours and lots of new accounts.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

What worries me is whom they will pull. CPDB stats are that in Florida they will pull Eq(687) or Ex(728) enhanced CC score. 

My issue is that it's a coin toss whom they will pull. 

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I'm in Florida and Citi pulled both Eq and Ex for me. I had the same pre-qual and was approved for $7500. Scores a little higher than yours and lots of new accounts.

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Thanks for the data points. I'm still a little gun shy on this though. 

[Anonymous]

I tried their pre-qual then I started getting offers in the mail with way lower APRs, maybe even a 13.24% one? I'd hold off and see if you get any mail after this. I didn't app because I'm gardening though. 

[Anonymous]

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@Anonymous wrote:

I tried their pre-qual then I started getting offers in the mail with way lower APRs, maybe even a 13.24% one? I'd hold off and see if you get any mail after this. I didn't app because I'm gardening though. 

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I'm leaning that way. Thanks. But.........