Pre-Approval?

[Anonymous]

So I got this awhile ago and actually app'd and got approved but I went back to look at it to see when I got it to see if I would be getting the SUB or not and realized this might have been a pre-approval? If it was it was my 1st real pre-approval since I started my credit rebuild and I didn't even realize it! So can anyone tell me if it was a targeted offer or an actual pre-approval?

[simplynoir]

Email offer? Did it have any listed specific APR in it? In my experience any soliciations from Citi are just feelers and not necessairly pre-approvals.

[Anonymous]

Was from an email and I don't remember if it had an apr listed. It does take to a page where you have to put the invitation number and last name in which is different.

[FinStar]

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@simplynoir wrote:

Email offer? Did it have any listed specific APR in it? In my experience any soliciations from Citi are just feelers and not necessairly pre-approvals.

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Right.  The actual Citi pre-approvals would usually state you are "pre-qualified".   The example you provided OP is a targeted "invite" solicitation which is very similar to a pre-selected offer (in a variety of cases would display a specific APR). 

On the upside, you were approved which means that your overall profile was favorable to support the approval regardless of which offer you received.

[Anonymous]

Oh ya I'm not complaining at all! Was just curious if I had gotten my first pre-approval from an actual card and not those First Premier Bank or other subprime lenders. They make me laugh and cry.