I got preappoved for a points and 0% cards a few months ago when I opened an account. I ignored it because I had just opened up a new card and car loan. They sent me a reminder that I was approved and I had two more weeks to take advantage. I said what the bleep and went for it.
i got the 7-10 day. The UW reached out to me to ask a few questions. All my accounts are new because I started my rebuild in the fall. When she hung up I thought it was a denial. She called back a few days later with more questions, then a third call to let me know I was approved. My scores were 670-690. Low utilization and 2017 BK.
I doubt that new card has harder UW. Frankly it isn’t much better than the points card unless you jump through all the hoops. (Checking, savings, etc). If you already have those accounts then it’s free money so go for it.
oh btw in the second or third call the UW told me (too late) that the offer was for both cards. I have never seen a bank say “here take two”, ever...
They pull Equifax which has the lowest amount of pulls for me, by far. So I might app for the card in a year
