Bread Cash Back Card

[Suzette2]

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@bigseegar wrote:

Just received in the mail a Pre-Approval for the Bread Financial Cash Back card on the AmEx network. Straight across the board 2% Cash Back. Now, I'm not going to accept it right now as it's good through October, 2022 and I'm about to hit 6 months in the Garden and not coming out any time soon. But has anyone gotten this card via this Pre-Approval letter and if so what were SL's like for you and yes I know every one is different. My personal DP's with Bread/Comenity are 3 store cards for 2.5 years now (Kay Jewellers, Academy Sports and Sportsman Warehouse and I use the two Sporting goods stores cards heavily) and FICO''s across the Board around 740 with 6% UTL today.

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just got one today via a SP- with a 3,500 CL.....not too shabby since it has no AF...    Good to pad the util.

[DarthJR]

Got approved for 8500 via the pre approved email.

I have a 6500 Caesar's card, and a 1600 come toy master card(wander if I can combine that card).

I didn't get any HP alerts at all. 

Recent HP for sdfcu and PenFed Cli and new card. 10k, 12.5k , 12.5k.

recently closed a few accounts by me due to AF and low limit starter cards. bK7 closed dec 2018.

a lot of inq due to house refinance and early stuff in 2021 but no other HP this year.

[ocheosa]

A general PSA re inquiry alerts:

Just because you have not received an alert, does not mean there was no HP. I've learned this from experience. I'd advise pull your reports from annualcreditreport.com to verify whether or not there was a hard/soft inquiry.