How reliable is Wayfair pre-approval ?

[Red1Blue]

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@Anonymous wrote:

I did SCT about 3 weeks ago. Instant SP approval for $3500 SL. On a lark I hit the CLI button a week ago and they added another $800 on (total CL of $4300). Prices are good. Customer service is outstanding. And when you use their card for a certain amount there are different payment options available. I went with the 12 months no interest. 

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Hi @Anonymous, Thank you very much for your input and sharing your experiences with them. I know Wayfair is a very good company and the sell quality products. Couple of months ago one of my former colleague took a management job with Wayfair and moved to Boston. I can reach out to him some time for favors. I am not applying for the Wayfair Credit Card now. I am going wait 12 months and then evaluate my credit situation and figure out what steps to take. Right now I am foucsing on cleaning up my report and get rid off collections and COs and let my secured cards and unsecured cards grow and mature.

[Anonymous]

I got a pre-approval pop-up from using the app. Sat on it a couple of days because (1) I was afraid of a HP, and (2) I was afraid of a HP and denial. Bit the bullet and made my LO cross their fingers, and about 4.5 seconds later: $750. As of now, it looks like a SP (<24hrs). 

Exp 683 but thin profile. 

Cap1 Secured $220 w/ $18 balance... HP 2/19 and just reported for the first time 4/16.

2 defaulted student loans I'm paying on right now. 

ETA: I was not able to get pre-qualified for ANY CC (Credit One even denied me) while I was just window shopping. Not that I thought I would get anything, but that's enough for me to believe that Wayfair's pretty lax.  

[Red1Blue]

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@Anonymous wrote:

I got a pre-approval pop-up from using the app. Sat on it a couple of days because (1) I was afraid of a HP, and (2) I was afraid of a HP and denial. Bit the bullet and made my LO cross their fingers, and about 4.5 seconds later: $750. As of now, it looks like a SP (<24hrs). 

Exp 683 but thin profile. 

Cap1 Secured $220 w/ $18 balance... HP 2/19 and just reported for the first time 4/16.

2 defaulted student loans I'm paying on right now. 

ETA: I was not able to get pre-qualified for ANY CC (Credit One even denied me) while I was just window shopping. Not that I thought I would get anything, but that's enough for me to believe that Wayfair's pretty lax.  

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Congrats on your approval. I know Wayfair is a very good company and sells quality products. Enjoy your new Credit Line with them.

[Anonymous]

Thanks! I'm debating on whether I should accept Children's Place or if I should just hold off. I shop at both, but I haven't seen a solid answer on starting too many retail cards at once.