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That's just marketing
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
@FinStar wrote:
OP, as @Remedios mentioned upthread, this is simply a marketing offer to apply. It is not a pre-approved or pre-qualified offer. Even the latter are subject to credit approval.
The confirmation code is pretty standard from a tracking perspective tied to any marketing solicitations.
It is my understanding that unless the offer has a firm APR and credit limit it is usually marketing based on your credit profile at the time of the mailing.
@Medic981 wrote:
@FinStar wrote:
OP, as @Remedios mentioned upthread, this is simply a marketing offer to apply. It is not a pre-approved or pre-qualified offer. Even the latter are subject to credit approval.
The confirmation code is pretty standard from a tracking perspective tied to any marketing solicitations.It is my understanding that unless the offer has a firm APR and credit limit it is usually marketing based on your credit profile at the time of the mailing.
A mailed prequal must contain a distinct, clearly marked section containing opt-out langauge. No opt-out language <==> marketing driven offer to apply.