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I got one a few months back, and got a denial. So they aren't 100% solid.
Got a Pre-Approved mailer a few months ago.
I think I had to type in a code sent to my cell
while applying. Went pending. Next morning was approved.
Called and asked for SL and was 10K No Docs.
740 Fico8 average score with the 3 crb's
I had at least 20 hps at the time.
Hope this helps
I got one of these as well and was confused as I had never even heard of this bank before. It's the only other pre-qual letter I've received aside from Citi. Are they considered a sub-prime lender?
@Queen_Etherea wrote:I got one of these as well and was confused as I had never even heard of this bank before. It's the only other pre-qual letter I've received aside from Citi. Are they considered a sub-prime lender?
No they’re not a subprime lender. The ClearPoints is actually a pretty nice category card.
I got the same flyer in the mail. I thought about applying because it is a Spanish bank, Banco Bilbao Vizcaya Argentaria, and so I thought it might have no FTF. Nope, it's 3% like most cards. Oh well, back to the garden for me.
@Queen_Etherea wrote:I got one of these as well and was confused as I had never even heard of this bank before. It's the only other pre-qual letter I've received aside from Citi. Are they considered a sub-prime lender?
As @Saeren mentioned, BBVA USA (formerly BBVA Compass) is not a sub-prime bank.
I actually just got approved via their pre-qual’d mailer few days ago with a $10K SL. And only way “I think” you can app online is with an invitation code. Otherwise you have to be within their footprints of operation and go in-branch.
The pre-qual’d app based on DPs seems pretty solid with just a very few denials but mostly approvals. It just asks for DL/ID infos(DL # and Expiration) and a code sent to your mobile then voila... Instant Approval! At least in my case. Oh and I don’t have any existing relationship with them prior to app.
Instant HP on EX.