I've never checked if I qualified for any offers from BOA, so I decided to give it a whirl today. BOOM! Three offers pop up and I'm ecstatic, to say the least. But, my scores are relatively low, so I naturally became suspicious and tried my wife -- same exact offer. This wouldn't be a problem but for the fact that my wife's scores are even lower than my own. So...I tried Zoey, my dog, same address, born in 2006, bogus last-4 for her social -- and what do you know?!? She got an even better offer. 
What a joke. How is that even legal?
@Anonymous wrote:I've never checked if I qualified for any offers from BOA, so I decided to give it a whirl today. BOOM! Three offers pop up and I'm ecstatic, to say the least. But, my scores are relatively low, so I naturally became suspicious and tried my wife -- same exact offer. This wouldn't be a problem but for the fact that my wife's scores are even lower than my own. So...I tried Zoey, my dog, same address, born in 2006, bogus last-4 for her social -- and what do you know?!? She got an even better offer.
What a joke. How is that even legal?
BoA prequals aren't as bad as Discover or (when you could actually check), Barclaycard.
When a prequal is solid with BoA. Instead of "We recommend..." It will say, "Congratulations!" Usually with an APR.
Discover is sometimes very vague with their prequals, and may/may not offer you an APR range or set APR. My mom had a solid prequal from Discover and was approved. I had no preapproval at all from them, and I was approved for an even higher limit than her.
A couple months ago I had a BoA pre-qual offer for the Cash Rewards card with the 150/500 bonus. I went ahead applied for it when I might not have even bothered otherwise. Of course, I was denied, even after recon. Burned a HP for nothing... on EX which is already crowded.
Since then the only offer that shows up is for their $300+ secured card with $39 AF. This was their counter-offer when they denied me.
Don't believe anything that page tells you.
Customer-initiated CLIs are HP on TU 99% of the time. Some people have been lucky to get solicited SP CLIs, and some of us have even had the rare auto-CLI (I got one last spring 11 years into the account).
OP, there is a difference between prequalifying and marketing with all card issuers. I don't know of any that say "we have nothing for you, get lost!" If they don't have something solid for you, they all offer something they think may be a possibility. All of BOA's prequals for me have been spot-on to the exact APR and they have been extremely generous to my family. Keep checking back and look for an offer with a single APR listed (i.e. 15.99%, not "11.99% - 21.49% depending upon creditworthiness") - those are the real prequalifications.
