US Banks offers

[Anonymous]

Went to US Banks' pre qual page and got the following offers... Cash+, AMEX 365 and FlexPerks. All 3 have APR ranges from 15.9- 24.9%. after 1 year at 0%. Im in the garden and after reading on various boards that if given a set of ranges its probably a denial, has this changed? 

[Anonymous]

I don't know about the ranges being a denial but, i believe you have a better chance with when it states a set APR. I was unsure i would be aproved because I was getting a range 3-4 months ago and after reading it's a possible denial I didnt apply. When i checked in December after my scores improved I noticed I had a set APR so I applied and was approved.

If you can add some data points to your post it might help when other chime in that may have had approval with similar data.

-Michael

[Anonymous]

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wrote:

Went to US Banks' pre qual page and got the following offers... Cash+, AMEX 365 and FlexPerks. All 3 have APR ranges from 15.9- 24.9%. after 1 year at 0%. Im in the garden and after reading on various boards that if given a set of ranges its probably a denial, has this changed? 

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I wouldn't say the assessment is that it is "probably a denial," rather, I believe it could go either way when you get a "range" of APR.  Conversely, the data points for numerous creditors seem to indicate when you receive a "specific" APR or possibly even a very narrow "range," the likelihood of approval is increased although certainly not guaranteed.  

Based on what you are receiving, I would not put a lot of confidence in that as a true "preapproval."