@Anonymous wrote:
I am curious if any banks offer an alternative card if you aren't approved for the first choice card?
I have received offers of pre-selected from Citi and Chase for particular cards. I am wondering, if I'm pre-selected for a double cash, but apply for a slate; would it refer me to the double cash if I get denied for the Slate?
I think for both that if you apply for the one offered they won't offer you something different, however you might still be able to apply for the card you do want. If not wait a bit and then try for the one you want.
Discover might offer you different terms than you applied for or their secured card.
US Bank might approve you for a different card than what you applied for, they state that in the application process and are known for doing that.
Comenity also might give you a store card instead of the Visa/MC you applied for.
Generally speaking though most major banks won't offer you you a product that is substantially different from what you applied for.
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
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