PreQual Spree!

credit_is_crack · ‎04-12-2020

Over the years of playing with their gadgets I've noticed the higher the utilization, and/or the number of new accounts/inquiries in the most recent 6 months, will shoot that APR thru the roof.

Every time I take a "break" on apps the APR offer slowly comes down over 6 months. Can't say it's the same for everyone but I know it def applies to myself

Meanmchine · ‎04-12-2020

Congrats CIC. Id say Regions Bank is the winner ?

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching

KLEXH25 · ‎04-13-2020

@Cory88 wrote:
@KLEXH25 wrote:
Nice approvals! Is Regions Bank geo-fenced? Never heard of them. Decided to check Discover prequals and I got a solid preapproval with 16.99% APR.

I check mine for Discover and they wanted to give me 26.99% APR and the crazy thing is that I have been with them since 2015 go figure.

LOL, the 16.99% is still better than my current 18.24% (which was lowered from 20-something percent earlier this year). The biggest question is would they give me more than my current $2,300 limit???? I asked for a CLI on Saturday, and was denied again. Oh well. I played with the IKEA prequal and got $16k too! Would be nice if I could get that starting limit with another card when I finally leave the garden.