Hello, So when I logged onto my NFCU portal via website I saw several offers in the right hand side of screen, when I clicked my offers tab I had a 1.99% intro rate for the AMEX rewards card along with checking line of credit and IRA bonus. I received a flyer in the mail the next day for the AMEX at 1.99% for 12 months also. Are these pre approvals or just generic offers? I applied for the card last night with my acceptance code from the flyer and was denied :-(
By the sound of your post it was merely a pre-screened qualification rather than a true “pre-approved” offer. I haven’t experienced any offers like that from NFCU myself though.
Back In the garden June 2019 until TBD FICO 8 Scores (Inquiries) May 29, 2019
Military Star - $8.7K | FCCU Platinum Signature VISA - $13K | Care Credit - $25K | Barclay AA Red MC - $5K | Best Buy Citi Visa - $3K | Cap1 Savor - $3.1K | USAA Signature VISA - $6K | PFCU Power Cash Rewards Signature VISA - $28.5K | CSR $15K | USAA AMEX - $12K | AMEX BCP - $35K | Chase Freedom Signature Visa- $7.5K | HSBC Rewards MC - $1.75K | CITI DC - $10.3K | Discover It - $16K | NFCU Cash Rewards Signature Visa - $10K | NFCU CLOC - $15K | TD Ameritrade Client Rewards Visa - $1.5K | Chase FU Signature $15K | Citi AA Plat MC $13K AAoA 6 Yrs 10 Mos AoOA 16 Yrs 2 Mos AoYA 1 Mos Currently 13/24 4/24 on 1/14/20 1/24 on 3/15/20 0/24 on 3/20/21 Installment Loans BMW $36.4K of $65.3K @ .99% (44.3% Paid) Student Loans $32K of $66.65K @ 2.75% (51.93% Paid) Annual Income ~ $110K