Never rely on prequals even if people claim that one or another is "solid". A prequal is nevera guarantee one way or another. If you want to determine this you need to find out when the SP was performed, what your credit profile looked like at the time of the SP and how is has changed since the SP. Your credit reports are not static so don't assume them to be.
Even with the analysis above you don't know the underwriting criteria for the product so unless your report(s) is/are idenitcal to when the SP was performed you're missing a key piece of information to make such an assessment unless your report(s) changed so drastically that it's clearly obvious that you wouldn't qualify.
@Anonymous wrote:
Have had a card with them since '00
25k SL.
It is never just about the account(s) you hold with a creditor. Your entire credit profile matters in a creditor's decision.
