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Alliant - Invited to apply for Visa with code

tussking
Established Contributor

Alliant - Invited to apply for Visa with code

I’ve been a member with Alliant for 2+ years and have never got an offer or a email. Is this legit or just marketing?
Discharged BK7 - 7.16.15
Current Fico8 - (1.30.21) EX - 687/EQ - 687/TU - 687
Total CL - $252,000.
700 Please!
Message 1 of 9
8 REPLIES 8
MaizeandBlue
Senior Contributor

Re: Alliant - Invited to apply for Visa with code

Its legit.  I've been an Alliant member since 10/17 when I opened a Share Secured Loan.  I've since closed the SSL in favor of an auto loan and I keep about $500 in my Savings Account but I've never applied for a credit card.  Yesterday  an offer to apply for a Visa Platinum card popped up in my email; it has an offer code which must be used by December 6, 2019.

 

Screen Shot 2019-10-28 at 3.43.48 AM.png





Message 2 of 9
VanderSnoot
Established Contributor

Re: Alliant - Invited to apply for Visa with code

Nice! I have the Signature card and have been very happy with it and with them.

Garden Gnome
13 CC | 1 PLOC | 0 MTG | 0 AUTO
Most recent inquiry: 2020-10
Most recent account: 2021-01
Under 5/24: 2021-05
Message 3 of 9
James_A
Valued Contributor

Re: Alliant - Invited to apply for Visa with code

I got the same. I see no "pre-approved" or "pre-qualified" language so I'm viewing mine no differently than any other "invitation to apply" -- as pure marketing. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 4 of 9
CreditInspired
Community Leader
Super Contributor

Re: Alliant - Invited to apply for Visa with code


@tussking wrote:
I’ve been a member with Alliant for 2+ years and have never got an offer or a email. Is this legit or just marketing?

IMO it's just marketing. Being invited to apply means exactly that. View it as being invited to a party--nothing more, nothing less. 


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 5 of 9
CS1974
Valued Contributor

Re: Alliant - Invited to apply for Visa with code

If there is a solid APR then the offer is legit. Not every lender uses pre approve or prequalify in their offers.
July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 6 of 9
AnimalHouse121
Valued Contributor

Re: Alliant - Invited to apply for Visa with code

It's just marketing. I too got this email.

But, 3 days before I got this email, I got a "Congrats, you're preapproved" email for the platinum card. So apparently they also send those out
Message 7 of 9
Caardvark
Frequent Contributor

Re: Alliant - Invited to apply for Visa with code

As said earlier, "Invited to Apply" is just marketing. That said, Alliant does send out pre-approved offers as you can see in the one I just received one for the Visa Signature

Screen Shot 2019-10-28 at 10.28.28 PM.png


Message 8 of 9
JourneyStartsNow
New Contributor

Re: Alliant - Invited to apply for Visa with code


@Caardvark wrote:

As said earlier, "Invited to Apply" is just marketing. That said, Alliant does send out pre-approved offers as you can see in the one I just received one for the Visa Signature

 


Now that's a pre-approval. I also got the invitation to apply. No thanks Alliant!

BK7 Discharged 4/15. Back to square 1.
Message 9 of 9
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