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Any links for CC Prescreening?

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creditstalker
Frequent Contributor

Re: Any links for CC Prescreening?

My TU credit card score is 618 (score model 8)  and 634 (score model 4)

Current FICO 08 as of 06/01/2015 TU 648 EQ 624 EX 602
FICO Mortgage Scores TU 594 EQ 540 EX 642

Message 21 of 32
Drsgwld
Frequent Contributor

Re: Any links for CC Prescreening?

I have an old BK from my Xhusbands business that his lawyer encouraged me to sign off on in 08. It won't come off until 2018 😖😡
Other than that, my file is clean. My student loan is coming down nicely from 2011, 1 cap 1 silver 3000 CL with 19% and a sec 5th 3rd $500
Message 22 of 32
Drsgwld
Frequent Contributor

Re: Any links for CC Prescreening?

I do have 2 or 3 inquires from a year ago.
Message 23 of 32
Drsgwld
Frequent Contributor

Re: Any links for CC Prescreening?

I want to dump that secured card and build on at least 1 other revolving trade line!
Message 24 of 32
PrettyGyrl
Frequent Contributor

Re: Any links for CC Prescreening?

IMO I say go for it! Barclays was my second CC after I graduated from secured cards. They gave me both the MC Rewards and an Apple Financing.

Started from the bottom, now I'm here: 4/20/15: EX-674 TU 704 EQ-677
TU-Clean...EQ & EX-1 Paid Collections & 1 Judgement
T minus 4 months until Operation EE!!
Goal: 750 Across the board! AMEX Approved! Living in the Garden
Message 25 of 32
Drsgwld
Frequent Contributor

Re: Any links for CC Prescreening?

Now I have to find the Barclay application link.
Message 26 of 32
Anonymous
Not applicable

Re: Any links for CC Prescreening?

A little info on preapproval sites:

 

Discover: you can put in whatever you want and get a recommendation.  You really are preapproved if the APR is a hard APR, so be sure to check that and don't just take the recommendation as gospel.

AMEX: pretty good on giving you some card options that you can realistically be approved for.

 
Citi: a little misleading because they will give you a bunch of cards they recommend so be sure to read the page.

 
Chase: probably the best preapproval page - if it's there it's highly likely that you'll be approved for the offer.

 
US Bank: it seems to have gotten a little more misleading recently, so be sure to see if you're offered a firm APR.

BOA: on par with Discover these days - you can put in whatever you want and get a recommendation - I put in Sponge Bob Square Pants living at 123 Pineapple Way and it shot out a recommendation. 

Capital One: decent so long as you read the wording on the page.  It'll suggest a bunch of cards but will tell you if you are preapproved or not on that page.

TL;DR: if the preapproval page gives you a firm APR and actually uses the word "preapproved," it's more likely that it'll lead to an approval.  But those pages are not really the end-all because some people never get preapprovals and are still approved for some cards, while others will get a preapproval and end up getting declined.

Message 27 of 32
Anonymous
Not applicable

Re: Any links for CC Prescreening?


@creditstalker wrote:

I just tried the discover pre-screen,  and it offered me the discover IT card.  I'm afraid to apply and get an inquiry and not be approved.  


What non intro APR did you get offered?

 

-edit- nevermind read above post.

Message 28 of 32
Anonymous
Not applicable

Re: Any links for CC Prescreening?


@PrettyGyrl wrote:

@Drsgwld wrote:
Maybe by Prescreening they may inquire and preapprove me 😑

If only that were true I would have every AMEX & Chase card by now...lol


well I was bombing the heck (Everyday) out of amex pre qual for months
and then 1 day I finally got online prequals... so there might be some 
logic in what you say. I still have yet to see a sotft pull from them anywhere....

Message 29 of 32
ksantangelo23
Frequent Contributor

Re: Any links for CC Prescreening?


@Anonymous wrote:

 

Discover: you can put in whatever you want and get a recommendation.  

BOA: on par with Discover these days - you can put in whatever you want and get a recommendation - I put in Sponge Bob Square Pants living at 123 Pineapple Way and it shot out a recommendation. 


LOL, I put in Spongebob Squarepants, and a random 4 digit SSN. Received a personalized offer with Discoverand BoA

 

oh boy.PNG

AMEX Hilton Ascend: $55,000 | Chase Sapphire Reserve: $30,000 | PNC Points: $17,500 | AMEX BCE (AU): $18,000 | AMEX BCP: $15,000 | US Bank Cash+ $15,000 | AMEX Business Prime: $14,000 | AMEX SimplyCash: $12,000 | Capital One QS: $13,500 | Chase Business Ink: $12,000 | PNC Everyday (AU): $12,000 | JCPenny Store Card: $10,500 | Chase Slate: $9,400 | Capital One QS: $6,500 | (2nd) US Bank Cash+ (2nd): $7,500 | Discover IT: $6,000 | Chase Freedom: $3,500 | Auto Lease: $0/$21,000 | Auto Loan: $0/$18,000 |

TU: 818 EX: 809 EQ: 801

Message 30 of 32
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