How solid are BBVA pre-approvals?

[Anonymous]

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@M_Smart007 wrote:

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@Anonymous wrote:

Thanks for the valuable feedback so far. 

Those that have applied for and gotten the card: what's the application process like? Do I need to have my paystubs and w2 in order before applying? I have my regular documents (id, soc, utility) but want to make sure beforehand for I don't slow the process down. 

One card, i'll have to recheck- offered 0% APR for 13 or 15 months and then it gave me a solid APR of 15.24%.

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@Anonymous, They did not ask me for anything.

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Okay, i'm stumped now lol. BBT just gave me 15mos 0% apr, so I don't really need a 2nd 0% apr card.. I mean- it can't hurt.. but should I go with the Rewards 1.5% (since my DD goes to NFCU) or the 3pt 2pt tier system? Options, options, options lol. 

[NoMoreE46]

Don't know about BB&T, but BBVA does targetted promos for

certain swipes.

Last month, I got 5x on gas.

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[M_Smart007]

@Anonymous, personally I'd go with the "3pt 2pt tier system?"

[Anonymous]

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@M_Smart007 wrote:

@Anonymous, personally I'd go with the "3pt 2pt tier system?"

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Whelp, time to crack open a beer and start this application aye? It's not gonna apply for itself!

Was the approval instant?

[Anonymous]

Hmm, when I apply and click submit, the page just refreshes and doesn't submit. Have tried twice now, no HP's... yet.. 

If I cold app, will I still get the $7500? **bleep**.

[M_Smart007]

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@Anonymous wrote:

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@M_Smart007 wrote:

@Anonymous, personally I'd go with the "3pt 2pt tier system?"

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Whelp, time to crack open a beer and start this application aye? It's not gonna apply for itself!

Was the approval instant?

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@Anonymous, Here is how it went ...

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BBVA-ClearPoints-20-000-00-Approved/m-p/5789767#M634723

[pinkandgrey]

If you get a mailer, then you can apply even if outside their usual area. In my experience their prequals are pretty solid. 

[J-F168]

When I got a mailer and was approved for 2.5k two years post D/C, after anoter year I took a hp on Ex to increase to 5k. A while back I did preq. and was pre-approved for 4.5k, I said no thanks. Also I do I have personal loan with them and had an auto loan with is paid in full now. For me its solid offer.

Best of luck!