southwest rapid rewards credit card offer

[Anonymous]

I've been receiving several southwest rapid rewards credit card invites in the mail recently... which is new for me. I broke down and applied. I've been rebuilding my credit for the last 3 1/2 years. I have one secured and two unsecured credit cards that I have never paid late or missed a payment with. FICO scores in the low 600s. Credit 50-60%, but, I make several payments a month.

What's the likelihood I'll be approved? Chase seems tight with credit. I didn't have a good relationship with them about 6 years ago when I made poor credit choices in my late teens/very early twenties.

[chalupaman]

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@Anonymous wrote:
I've been receiving several southwest rapid rewards credit card invites in the mail recently... which is new for me. I broke down and applied. I've been rebuilding my credit for the last 3 1/2 years. I have one secured and two unsecured credit cards that I have never paid late or missed a payment with. FICO scores in the low 600s. Credit 50-60%, but, I make several payments a month.

What's the likelihood I'll be approved? Chase seems tight with credit. I didn't have a good relationship with them about 6 years ago when I made poor credit choices in my late teens/very early twenties.

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If that's your utilization, then you really need to get that much lower first before applying.

And what happened with Chase six years ago if you don't mind elaborating more on that?

[CreditCuriosity]

So what message did you get form them or email?

[Anonymous]

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@Anonymous wrote:
I've been receiving several southwest rapid rewards credit card invites in the mail recently... which is new for me. I broke down and applied. I've been rebuilding my credit for the last 3 1/2 years. I have one secured and two unsecured credit cards that I have never paid late or missed a payment with. FICO scores in the low 600s. Credit 50-60%, but, I make several payments a month.

What's the likelihood I'll be approved? Chase seems tight with credit. I didn't have a good relationship with them about 6 years ago when I made poor credit choices in my late teens/very early twenties.

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Often times, those mail offers are marketing techniques to get you to apply.  Based on your profile, it will be a stretch for approval.  Your utilization is a bit high,  your scores in the low 600s.. Give them at least a call to see what they say.

[Anonymous]

I got one in the mail today with a stated APR instead of a range of APRs (15.99). Think it's legit pre-qual or just marketing?

[CreditCuriosity]

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@Anonymous wrote:

I got one in the mail today with a stated APR instead of a range of APRs (15.99). Think it's legit pre-qual or just marketing?

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It is fixed 15.99 apr% no matter 680 or 850 score, no other aprs on the card.  so most likely marketing.

[Anonymous]

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@CreditCuriousity wrote:

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@Anonymous wrote:

I got one in the mail today with a stated APR instead of a range of APRs (15.99). Think it's legit pre-qual or just marketing?

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It is fixed 15.99 apr% so mos tlikely marketing.

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+1

They were sending me these offers when my scores were in the 590's.

[Anonymous]

They make it tough to decipher! I think that unless you see the "pre-screen opt-out" notice that they're all just marketing. 50k bonus makes me open those envelopes. They know the way to hook me.

[Anonymous]

I got approved for both versions in January and my score was ~ 610. 

[Anonymous]

I also got approved for both versions of this card with my EX at 614. My utilization was very low though.  YMMV