After a spree in 2018, I had planned to apply for this card later in the year, but received a "pre-selected" mailer today. Not sure I want to waste an Exp HP if not approved. My Exp FICO 8 went down to 764 due to returning and leasing a new car in November, although it didn't show until December. In the past 6 months I have 6 HP on Exp (both the dealer and ACF for the car lease) with 2 new cc's and a loc. What are my chances?
FICO 8 EX 764 TU 784 EQ 787 FICO 9 EX 771 Garden since Aug 2019 AMEX - Platinum, BCE, Delta Platinum, Simply Cash Plus (Business) Barclay - AAdvantage Aviator Capital One - Venture, Sparks (Business) Chase - FU, CSP Citi - AAdvantage WEMC, PLOC Discover It Miles TD Ameritrade Visa US Bank Altitude Reserve Wells Fargo Propel AMEX BBVA Compass
TD Bank seems to be somewhat conservative with their core cards, so if you have a decent amount of inquiries or accounts in the past 6-12 months, it may not yield as fruitful. Or, if approved, expect a very low SL.
Pre-selected invitations are not necessarily pre-qualified offers, they're simply marketing to spruce up segmentation.