I actually received one yesterday and decided to go ahead and bite the bullet. I'm in the rebuilding process and was seeking a prime card. My preselected offer came with a personal secure code and an offer of 21.99% APR. I made sure to read thoroughly and it stated it was a firm offer of credit based off information on my report as of 12/10/18 and could vary if the previous information differed. This made me decide to app for it. I was instantly approved for the BankAmericard for $3500 SL. May not be prime card to some, but it's the best I have so far. I'm pretty excited about it 
Discover IT $500 SL - 09/18
Capital One $300 SL - 10/18
Victoria Secret $500 SL - 12/18
Gardening all of 2020
I just received one in the mail yesterday for about the same set APR. Seems I've been getting more of these since cancelling my checking account with them. If they send me an Alaska Airlines offer, I may jump on that.
I have had a couple pre-approval letters that I have torn up before I finished the first line. It's nice to get but unless the card is some benefit to me, I don't need it. I think one thing for every person to keep in mind is, if you need a card and it benefits you, then it's something to consider. If it's something that you can make work for you, then it's worth in getting. Otherwise, IMHO, it's not worth it. I've been trimming my cards down slowly as I thought, the more the better and added more cards then necessary. It's something I recommend for everyone to do. Trim down on what you don't need.
For example - OP (no offense, just taking your cards as an example). You have several cards that are redundant - 2 QS, WF Cash Wise and a Chase Freedom UL. All of them are 1.5% CB cards. All of those cards are under the Citi DC 2%/Paypal 2% CB. It's redundant having all of them. If anything, I understand keeping the Freedom UL and the WF Cash Wise as they are of different lenders/banks. Again, this isn't a knock on anyone. It's always nice to have pre-approvals and more cards but with cards, come responsibility and management.
For example - OP (no offense, just taking your cards as an example). You have several cards that are redundant - 2 QS, WF Cash Wise and a Chase Freedom UL. All of them are 1.5% CB cards. All of those cards are under the Citi DC 2%/Paypal 2% CB. It's redundant having all of them. If anything, I understand keeping the Freedom UL and the WF Cash Wise as they are of different lenders/banks. Again, this isn't a knock on anyone. It's always nice to have pre-approvals and more cards but with cards, come responsibility and management.
-- 3 decade long BofA client no hate--
1.5 Decade ago, just 1.5 and still full of it. They bought out a bank(it is still there but the latest word in town they will level it soon) in the neighborhood that had a green logo on it. Same people at that bank at that time started lying to us about the fees, straight in a face. Moved my personal and biz accounts over to elsewhere.
@eriquah28 wrote:I actually received one yesterday and decided to go ahead and bite the bullet. I'm in the rebuilding process and was seeking a prime card. My preselected offer came with a personal secure code and an offer of 21.99% APR. I made sure to read thoroughly and it stated it was a firm offer of credit based off information on my report as of 12/10/18 and could vary if the previous information differed. This made me decide to app for it. I was instantly approved for the BankAmericard for $3500 SL. May not be prime card to some, but it's the best I have so far. I'm pretty excited about it
Discover IT $500 SL - 09/18
Capital One $300 SL - 10/18
Victoria Secret $500 SL - 12/18