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@mauwow0682 wrote:
Those are just offers. However BofA does have a pre-approval offer area in the credit cards section. Give that a shot! That's how I got my 123.
I agree, check out the pre approval CC link and if its there its a preapproval.
The BofA website does not in any aspect prequalify you. According to the representative that I just made sure I got the most correct information from this is a fact. It does not do a soft pull on your credit report. It merely recommends a card for you, nothing else. Trust me I exhausted every aspect of questioning the person to make certain of the facts. He talked around it for so long I had to demand he stay with me and simply answer the questions with a yes or no. He didn't do that too well, but I did eventually get him to and then I reverified it a few times. He certainly tried as hard as he could to retain a sale out of me and get me to think less than reality on the truth of the matter.
But he assured me it helps the customers choose the right card for their needs. While it does not in any manner check the credit report until the actual application is submitted.
@bernhardtra wrote:The BofA website does not in any aspect prequalify you. According to the representative that I just made sure I got the most correct information from this is a fact. It does not do a soft pull on your credit report. It merely recommends a card for you, nothing else. Trust me I exhausted every aspect of questioning the person to make certain of the facts. He talked around it for so long I had to demand he stay with me and simply answer the questions with a yes or no. He didn't do that too well, but I did eventually get him to and then I reverified it a few times. He certainly tried as hard as he could to retain a sale out of me and get me to think less than reality on the truth of the matter.
But he assured me it helps the customers choose the right card for their needs. While it does not in any manner check the credit report until the actual application is submitted.
I believe this to be correct information as I checked all of my reports and didn't see a soft from BOA at all.
Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000
Which is only one reason I avoid them! Even though I have others.