I got my first "pre-selected" offer!

amercnchopz34 · ‎03-29-2012

@MarineVietVet wrote:
@LS2982 wrote:

I thought if you file BK your automatically opted out for a certain period of time?
That very well could be. My BK was so long ago and I know the laws have changed somewhat since then.

I have otten 1 offer from merrick bank and 1 from state farm bank(insured with them).....I think state farm ws a pre approval letter..... Do know who merrick uses to do soft pulls?

Jimmy9224 · ‎03-29-2012

I got my first per approval in the mail today for a American express gold

Im gardening now so can't really apply but I'm happy I finally got one! Also I have a zync, don't really need more than one charge card..

My wallet : Amex Zync NPSL , Discover More $3500, BankAmericard Cash Rewards $1000, Walmart Discover $1400, Chase Freedom $1000, Capital one Platinum $1000, Macy's Store card $100, Amazon Store card $1400, Southwest rapid rewards $5000, Marriot Visa $5000. Barclay Apple $1200

LS2982 · ‎03-30-2012

@Jimmy9224 wrote:
I got my first per approval in the mail today for a American express gold Im gardening now so can't really apply but I'm happy I finally got one! Also I have a zync, don't really need more than one charge card..

You should frame it and hang it on your wall................"My 1st"

EQ FICO 548 3/3/16

Jimmy9224 · ‎03-30-2012

@LS2982 wrote:
@Jimmy9224 wrote:
I got my first per approval in the mail today for a American express gold Im gardening now so can't really apply but I'm happy I finally got one! Also I have a zync, don't really need more than one charge card..
You should frame it and hang it on your wall................"My 1st"

Haha not a bad idea! Lol thanks I'll go buy a frame for it today !

My wallet : Amex Zync NPSL , Discover More $3500, BankAmericard Cash Rewards $1000, Walmart Discover $1400, Chase Freedom $1000, Capital one Platinum $1000, Macy's Store card $100, Amazon Store card $1400, Southwest rapid rewards $5000, Marriot Visa $5000. Barclay Apple $1200

LS2982 · ‎03-30-2012

@Jimmy LMAO!!

EQ FICO 548 3/3/16

tcbofade · ‎03-30-2012

DW gets those pre approvals for Citi often as well...but she gets denied if she apps.

I'm not getting pre approvals in the mail....

...yet...

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...

FrugalRican · ‎03-30-2012

You're probably better off.

Ever since I got AMEX and Discover, Citi has been softing me and sending me crap like crazy.

They can go fry broccoli for all I care.

Follow my financial journey: http://www.frugalrican.com

EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

john398 · ‎03-30-2012

@tcbofade wrote:
DW gets those pre approvals for Citi often as well...but she gets denied if she apps.

I'm not getting pre approvals in the mail....

...yet...

are they the pre approvals with the opt out info in it? I use to get AA (american airlines) card from citi in the mail but that was just because i have an aa advantage number they were not from softing my credit report

Re: I got my first "pre-selected" offer!

Re: I got my first "pre-selected" offer!

Re: I got my first "pre-selected" offer!

Re: I got my first "pre-selected" offer!

Re: I got my first "pre-selected" offer!

Re: I got my first "pre-selected" offer!

Re: I got my first "pre-selected" offer!

Re: I got my first "pre-selected" offer!