Which Cc Website Apps are accurate with soft pulls?

[Anonymous]

Hey guys I am wondering which websites are the most accurate with soft pull credit applications? Similar to Capital One? With Capital One all of the soft pulIs I've done have been accurate. Meaning if it says prequalified, you're pretty prequalified lol. Obviously I know not any of them are 100% accurate but which ones are pretty good? I know discover is terrible they will almost tell everyone that you're pre-qualified and then when you actually get into it you aren't. That's what I'm trying to avoid. Thank you all!:-)

[jacetx]

Chase, Bank of America (if it offers a single digit APR, no range), AMEX, Citi

[Anonymous]

Citi, Chase and Cap One are the most reliable, but like you said, even a pre-qual with them can turn to a denial if they see something they don't like with a hard pull.  

[Anonymous]

Generally speaking, if you are offered a hard APR (NOT a range), it's a pretty good offer.  If they say something like your APR will be XX.XX%-YY.YY% depending on creditworthiness it's not a good offer.

[Anonymous]

I concur with Capital One's.  I had a prequal for Venture.  Decided to CLI my Sony Card instead. 24 hours later, no credit change in reports, my prequal was gone.  Just my theory.

I also still have a set APR with AMEX ED prequal as of today. Don't have any AMEX cards, so unsure of that one. 

[Anonymous]

Thanks for the quick reply guys. That's exactly what I was looking for. How accurate is the American Express one, as far as you guys know? I got two cards that says I might qualify but I definitely don't want to apply unless its a more sure thing... The bank of America did give me the variable interest rates so I,ll definitely hold off on that one. Thank you for the advice about the interest rates though. :-)

[Loquat]

I agree with others here...when the APR shows a range it's typically not as firm as when it's very specific.  Now, with that being said, I did get both of my Venture One cards back to back and I never got a prequal on Cap One for them.  I just decided to cold app moments after trying the prequal and was approved for both.

[9CLINE]

+1 on all above... What do scores,reports,inq, look like?
jace8602 is on spot,,,it just comes down to the whole file....
plus like
Loquat said sometimes you don't even get any pre-quals and are still approved,,,sorry no guarantees ..

Best of luck to you on your credit journey.....