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BBVA Pre-Qual Mailer

Adkins
Super Contributor

Re: BBVA Pre-Qual Mailer

I got one a few months back, and got a denial. So they aren't 100% solid. 



Last HP 09-14-2020



Message 11 of 25
TruFlavor
Established Member

Re: BBVA Pre-Qual Mailer

My fiancé and I got mailers and both got approved for $7,500. My score came in at 730 with them after my recent app spree. I like the 3%, 2% categories. I’ll also note that in my experience having several be accounts around 6 months and a recent app spree with 3 approvals within a week of applying they aren’t too sensitive on new accounts and inquiries. As an FYI I am now at 7 hard pulls.
Message 12 of 25
UH_HUH
Valued Contributor

Re: BBVA Pre-Qual Mailer

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

Message 13 of 25
Birdman7
Super Contributor

Re: BBVA Pre-Qual Mailer

wow, congrats!
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 14 of 25
Queen_Etherea
Established Contributor

Re: BBVA Pre-Qual Mailer

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?

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 15 of 25
Saeren
Mega Contributor

Re: BBVA Pre-Qual Mailer


@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. 



Message 16 of 25
SEAlifer
Established Contributor

Re: BBVA Pre-Qual Mailer

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.

AU


Message 17 of 25
JR_TX
Valued Contributor

Re: BBVA Pre-Qual Mailer


@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.

 

 

AB78FE8C-A4C4-44FB-BC15-4474F816D6FE.jpeg

 

 

Mission Accomplished on Dec 07 2020! Rebuild Complete!

New cc TLs : 2/6 ; 2/12 ; 3/24
HPs EX 3 EQ 3 TU 1
AAoA 5y4m
UTIL 1% - 3%

$250K+ Total Limits











Message 18 of 25
Birdman7
Super Contributor

Re: BBVA Pre-Qual Mailer

Do they pull Experian or Equifax?

Or are they back and forth? Florida anybody?
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 19 of 25
Xatos
Frequent Contributor

Re: BBVA Pre-Qual Mailer

@Birdman all DP's I've seen were EX, including me in PA.
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 20 of 25
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