How solid are BBVA pre-approvals?

[Anonymous]

Are they no longer geo-fenced? It accepted my state when in the past, it didn't. I searched the forums but didn't see many datapoints other than they pull from Experian. What are they like as a bank? Are future increases hard inquiries? Do they give automatic increases? 

[Anonymous]

I got a mailer and was approved for both with roughly a 660 score for a $8000 and $2,000 limit.

I use them for personal and business banking for years. I have no complaints.

I like the Rewards card better, mine is flat 2% on anything.

[BmoreBull]

I don't t know if they are still geo fenced or not. I tried the pre qual a few months ago and was immediately kicked out, after I put in my address. 

[M_Smart007]

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@Anonymous wrote:

Are they no longer geo-fenced? It accepted my state when in the past, it didn't. I searched the forums but didn't see many datapoints other than they pull from Experian. What are they like as a bank? Are future increases hard inquiries? Do they give automatic increases? 

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@Anonymous, Those offers that you are showing are usually pretty solid. IME

I was approved in Oct. 2019 for $20K from a prequalified mailer with a code.

The "prequalified" offer should get you around the geo-fence.

I have a Checking and Savings, but due to using Schwab, US Bank, Chase and couple of CU's. Don't do any banking on a regular basis.

I am not sure about auto Increases, I do know CLI requests are HP on EX. (per forum DP's)

[M_Smart007]

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@BmoreBull wrote:

I don't t know if they are still geo fenced or not. I tried the pre qual a few months ago and was immediately kicked out, after I put in my address. 

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@BmoreBull, They have changed things up a little ...

https://online.bbvausa.com/apply/credit-card-prequal

https://online.bbvausa.com/apply/credit-card-prequal?productid=0005

[NoMoreE46]

Gotta say go for it @Anonymous @

[Anonymous]

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%.

[NoMoreE46]

IIRC,
You will fill out everything online. My Clear Points card from March was surprisingly only a SP. 

I had broke down after like the 6th pre-approval mailer over a year's time frame.

I have not gotten an increase for my SL of $5800 but have read that 7 months is when they are open to requests which are  HPs.  I have read that some have been auto granted, but I have only put the minimum in this card for the SUB.

[M_Smart007]

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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.

[NoMoreE46]

Ooh, they may sweeten the deal if you decide to open a checking or savings account during the app/verification process.