They are simply marketing solicitations. Unless they actually state that they are "pre-qualified" offers (as displayed on the mailers), they're just another method to invite you to apply, similar to pre-selected offers.
I get a bunch of these periodically for different products 
@FinStar wrote:They are simply marketing solicitations. Unless they actually state that they are "pre-qualified" offers (as displayed on the mailers), they're just another method to invite you to apply, similar to pre-selected offers.
I get a bunch of these periodically for different products
I do to from time to time. Have you ever gotten 5 from same company in this short of time? Seems desperate. 
The APR offer is not a range btw.
@Anonymous wrote:
@FinStar wrote:They are simply marketing solicitations. Unless they actually state that they are "pre-qualified" offers (as displayed on the mailers), they're just another method to invite you to apply, similar to pre-selected offers.
I get a bunch of these periodically for different products
I do to from time to time. Have you ever gotten 5 from same company in this short of time? Seems desperate.
The APR offer is not a range btw.
Yes, I counted about 13 or so in a 3 week period just from Citi alone (Diamond Preferred, Simplicity, Expedia, AA MileUp, etc).
For most Citi mailers, the APR margin will usually be non-spread (i.e. no range) regardless of whether it's a pre-qualified, pre-selected or any invitation to apply offers. They will have invitation codes and opt-out language as well. Typically, the pre-qualified offers are more solid.
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:They are simply marketing solicitations. Unless they actually state that they are "pre-qualified" offers (as displayed on the mailers), they're just another method to invite you to apply, similar to pre-selected offers.
I get a bunch of these periodically for different products
I do to from time to time. Have you ever gotten 5 from same company in this short of time? Seems desperate.
The APR offer is not a range btw.
Yes, I counted about 13 or so in a 3 week period just from Citi alone (Diamond Preferred, Simplicity, Expedia, AA MileUp, etc).
For most Citi mailers, the APR margin will usually be non-spread (i.e. no range) regardless of whether it's a pre-qualified, pre-selected or any invitation to apply offers. They will have invitation codes and opt-out language as well. Typically, the pre-qualified offers are more solid.
Oh ok. Good to know. I will not be apping with them soon. I am still mad about the Simplicity.
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:They are simply marketing solicitations. Unless they actually state that they are "pre-qualified" offers (as displayed on the mailers), they're just another method to invite you to apply, similar to pre-selected offers.
I get a bunch of these periodically for different products
I do to from time to time. Have you ever gotten 5 from same company in this short of time? Seems desperate.
The APR offer is not a range btw.
Yes, I counted about 13 or so in a 3 week period just from Citi alone (Diamond Preferred, Simplicity, Expedia, AA MileUp, etc).
For most Citi mailers, the APR margin will usually be non-spread (i.e. no range) regardless of whether it's a pre-qualified, pre-selected or any invitation to apply offers. They will have invitation codes and opt-out language as well. Typically, the pre-qualified offers are more solid.
Oh ok. Good to know. I will not be apping with them soon. I am still mad about the Simplicity.
Out of curiousity, what were the reasons cited for your Simplicity denial in January?
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:They are simply marketing solicitations. Unless they actually state that they are "pre-qualified" offers (as displayed on the mailers), they're just another method to invite you to apply, similar to pre-selected offers.
I get a bunch of these periodically for different products
I do to from time to time. Have you ever gotten 5 from same company in this short of time? Seems desperate.
The APR offer is not a range btw.
Yes, I counted about 13 or so in a 3 week period just from Citi alone (Diamond Preferred, Simplicity, Expedia, AA MileUp, etc).
For most Citi mailers, the APR margin will usually be non-spread (i.e. no range) regardless of whether it's a pre-qualified, pre-selected or any invitation to apply offers. They will have invitation codes and opt-out language as well. Typically, the pre-qualified offers are more solid.
Oh ok. Good to know. I will not be apping with them soon. I am still mad about the Simplicity.
Out of curiousity, what were the reasons cited for your Simplicity denial in January?
If I remember correctly it was do to my high utilization. Probably around 35% then. 28% now. That was the reason I wanted the Simplicitiy. 21 months for balance transfers!
