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BBVA Pre-Qual Mailer

Xatos
Frequent Contributor

BBVA Pre-Qual Mailer

Received one today, how solid are they? Also, is there a way to check SL before apping? What offers do they give out, if any?
Kohl's $3K | Cap1 QS $2.5K | Target Redcard $1.8K | Citi DC $6.4K | Amex BCE $1K | Dick's ScoreRewards MC 10K | Amex ED $4.2K | Amex Schwab Platinum NPSL | Amex Schwab Investor 3K | Rakuten 3K | WF CashWise VS $11.3K | Discover IT $9.8K | Disco IT Miles (#2) 2.5K | Citizen's Bank Cashback Plus WMC $9.7K | Fidelity VS $9K | USBank Cash+ VS $9K | Cap1 VentureOne 16K | BBT Spectrum Cash Rewards VS 7.5K | BBT Cash Rewards #2 4.5K | BBT Bright 5K | BBVA ClearPoints 7.5K | PNC Cash Rewards 15.5K | BECU Cashback 19.5K | EX 719 | TU 753 | EQ 692
Business Credit ~ Amex BBP 4.8K | Amex BBC 15K | Amex Biz Gold NPSL | Amex Biz Green NPSL | US Bank Biz Cash 3K ~LOC's~ BECU 15K |
Message 1 of 25
24 REPLIES 24
Newtophilly
Contributor

Re: BBVA Pre-Qual Mailer

 I also received one today in the mail, after reviewing all the information I decided to pass on that credit card. I just don’t want to waste the hard pull. 

 

Best of luck!


@Xatos wrote:
Received one today, how solid are they? Also, is there a way to check SL before apping? What offers do they give out, if any?

Best of luck!

FICO 8 Scores: Exp 603, Equifax 597, Trans 574 as of 6/7/2018. 6/8/2019

FICO 8. EXP 661, EQ 664, TU 640. In the Garden Starting 09/26/2019
Message 2 of 25
jaxstraw
Established Contributor

Re: BBVA Pre-Qual Mailer


  1. @Xatos wrote:
    Received one today, how solid are they? Also, is there a way to check SL before apping? What offers do they give out, if any?

From all information on this forum the pre-qualification is as solid as you can get for approval.

Very few reports of a denial after getting a code.

There is no way to check the SL first.....you have to submit and take your chances.

They also don't seem to be new account and inquiry sensitive from reports.

The current offer I believe is 0% BT for 13 months and 100$ account credit for 1500$ spend in 3 months.

SCL seem to be all over the place based on scores.....seen a few 5 digit ones .....and a few for a few thousand ....but most seem to be around the 5k to 7k mark.

Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 3 of 25
LandifiedAZ
Member

Re: BBVA Pre-Qual Mailer

I got the same offer in the mail on Friday. I pulled the trigger last night. Went to a upload documents page where it asked for my front and back of my drivers license which I uploaded right away. Got email saying it is under review now. Appears they pulled Experian only. I have tons of Inqs and new accounts so this will be interesting to see the outcome. Will update my post if I'm approved.

CURRENT FICO SCORES (as of August 15, 2020):
767 EXP - 710 EQ - 766 TU

CURRENT CARDS IN WALLET:
- American Express Platinum Card ($ n/a) (for airport lounges and 5x on Hotel/Flights)
- American Express Gold Card ($ n/a) (for 4x dining and supermarket purchases)
- American Express Delta Skymiles Reserve ($6k) (Delta flights)
- AOD FCU Visa Signature ($20k) (3% Cashback on Everything)
- Barclays AAdvantage Silver Aviator World Elite MasterCard ($8.5k)
- Barclays Uber Visa Signature ($25k)
- BMO Harris Premier Premium Rewards World Elite MasterCard ($30k) (becoming my everyday go to card) -> CLI at 181 days from $20k to $30k)
- Citi Prestige World Elite MasterCard ($42.4k) (for everyday purchases)
- Discover IT Gold Card ($5k)
- First Tech Odyssey Rewards World Elite Mastercard ($30k) Received CLI on 8/6/2020 now ($42.5K)
- Mountain American Credit Union Rewards Visa ($10k)
-SECU (Maryland) Cash Back Visa ($15k)
- TIAA Bank Rewards Visa ($22.5k) - Canceled 8/2/2020
- PedFed Visa Gold ($30k) (for fee free cash advances while traveling)
- USAA Limitless Visa Signature ($27k) (for everyday purchases)
- USAA Cashback Plus American Express ($20k) (for 3x fuel purchases)

CARDS IN THE DRAWER:
- Capital One MasterCard ($3.7k)(Opened in 2008)
- Wells Fargo Visa Signature ($16.5k) (Opened in 2009)
Message 4 of 25
DoogieBall
Regular Contributor

Re: BBVA Pre-Qual Mailer

Got this over the weekend.  Don't really want it but it was nice of them to send it to me!

 

Maybe if they had a really cool looking card... Smiley LOL



R.I.P Cards

TU Early Exclusion -5 months -65 pts
EX Early Exclusion -3 months -82 pts
EQ Early Exclusion -2 months -135 pts



Message 5 of 25
crys12065
Established Contributor

Re: BBVA Pre-Qual Mailer

Don't do it, it's a trap! Lol I got the same mailer and pulled the trigger only to get a $1700 SL. The lowest I saw on here was $2K so I was disappointed.  Wasn't worth the HP for me, but In all fairness I have opened a lot of accounts since October so I should have expected that.  But my 🍏card SL lured me into a false sense of security.   

Good Luck if you decide to app!  Seems like a good card to have for a 3% catagory. 

 




In the garden until 2020
Message 6 of 25
Saeren
Mega Contributor

Re: BBVA Pre-Qual Mailer


@crys12065 wrote:

Don't do it, it's a trap! Lol I got the same mailer and pulled the trigger only to get a $1700 SL. The lowest I saw on here was $2K so I was disappointed.  Wasn't worth the HP for me, but In all fairness I have opened a lot of accounts since October so I should have expected that.  But my 🍏card SL lured me into a false sense of security.   

Good Luck if you decide to app!  Seems like a good card to have for a 3% catagory. 

 


Ugh, I thought $2K was the floor since that’s what they gave me. I bet yours will grow quickly though if you use it. 



Message 7 of 25
SACT51
Frequent Contributor

Re: BBVA Pre-Qual Mailer

I'm surprised to see that SL, BBVA is usually very generous with their limits

Message 8 of 25
Xatos
Frequent Contributor

Re: BBVA Pre-Qual Mailer

Thought I saw something about existing banking customers using app to check pre approval SL... Or was that another FI?
Kohl's $3K | Cap1 QS $2.5K | Target Redcard $1.8K | Citi DC $6.4K | Amex BCE $1K | Dick's ScoreRewards MC 10K | Amex ED $4.2K | Amex Schwab Platinum NPSL | Amex Schwab Investor 3K | Rakuten 3K | WF CashWise VS $11.3K | Discover IT $9.8K | Disco IT Miles (#2) 2.5K | Citizen's Bank Cashback Plus WMC $9.7K | Fidelity VS $9K | USBank Cash+ VS $9K | Cap1 VentureOne 16K | BBT Spectrum Cash Rewards VS 7.5K | BBT Cash Rewards #2 4.5K | BBT Bright 5K | BBVA ClearPoints 7.5K | PNC Cash Rewards 15.5K | BECU Cashback 19.5K | EX 719 | TU 753 | EQ 692
Business Credit ~ Amex BBP 4.8K | Amex BBC 15K | Amex Biz Gold NPSL | Amex Biz Green NPSL | US Bank Biz Cash 3K ~LOC's~ BECU 15K |
Message 9 of 25
Saeren
Mega Contributor

Re: BBVA Pre-Qual Mailer


@Xatos wrote:
Thought I saw something about existing banking customers using app to check pre approval SL... Or was that another FI?

Yeah you can check in the BBVA app or on the website. Hit add more products and if you have the option for credit cards, you’ll be able to see limits there. 



Message 10 of 25
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