@LearningMoreAboutCredit wrote:
@FinStar wrote:
@LearningMoreAboutCredit wrote:
@Anonymous wrote:
Just means they soft pulled you to see if you qualify for any of their products. If you do, expect some sort of mailer in the mail within the next couple weeksWell, you called it. I checked my PO Box today and got an invite to apply for it card; 0% APR for 15 mos, then 10.99% thereafter. I have until 01/31/14. Since they have predetermined the APR after promo period, would this be considered a "preapproval" or just more fluff? They are really dangling the carrot in front of me now. So now I'm considering it (for diversification, don't have a true Discover card and 5% categories) and PRG (AAoA padding, MSD '87)...should I app for PRG first, then it card? None of this is going to happen until January...I'm going to thaw out EX before app. HELP!!!
This is new territory for me as I have been opted-out for many, many years.
Well, it does sound like they're dangling a juicy carrot in front of ya! If you are considering a couple apps in January, go for PRG first (likely will pull EX) and then you can determine if the offer is as juicy as it sounds and try the Discover it (can pull either be EQ or TU - rare instances EX). Now, pre-approval/pre-selected offers are simply just that, marketing promotions to entice applying in the hopes of acquiring a new customer - of course, the decision rests entirely up to you. If your profile, scores and utilization seem optimal, then just give it a shot in January...seemingly so, this would take care of 2 of your "White Whales" on your list if approved! Best of luck
FinStar, I must say it is working BIG time. I searched creditpulls database and it seems like Discover is leaning toward EX for 2013. Now I know that is a YMMV situation...and they appeared to pull EX from just about every region of the U.S. Thanks for reminding me about the "preselected/preapproval" language...still learning
And YES! I can harpoon not one but two if successful on those fronts. Thanks to all who contribute by paying forward. I got some strategic planning to do.
I guess everyone will know if I show up with a seedling, LOL.
Yes, lenders have a good way to entice you with their suculent offers... LOL. So, get that strategy planned for early 2014 so you can put that harpoon to greta use! I'm hoping you get approved for both!! We'll watch for your spade fade into the seedling for sure 