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Interesting preapproval - no HP to accept?

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Frequent Contributor

Interesting preapproval - no HP to accept?

Received an interesting pre-approval offer from one of my credit unions. One of their rewards cards, $10K limit, but no hard pull to accept it. It looks like they SP'd TransUnion to generate the offer. I've seen a few reports of similar approvals out there, but is this common? It seems odd not to have a HP if you accept the card. 

 

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Message 1 of 22
21 REPLIES 21
Valued Contributor

Re: Interesting preapproval - no HP to accept?

No worries. This is far from rare. There are several instutions, espeically CUs that provide products that are pre-approved with no HP.

763 INQs: 12773 INQs: 6763 INQs: 8UTIL: 3%AAoA: 3yr 3mosTotal Credit Line: $826,550
Message 2 of 22
Senior Contributor

Re: Interesting preapproval - no HP to accept?

Nice job! My NASA card opened with just an SP @ $25k. First credit product with that CU?

Message 3 of 22
Frequent Contributor

Re: Interesting preapproval - no HP to accept?

It will be! I actually only have a savings account with them - opened it so that I'd have a local account in case I needed to do something physically in the branch. I'll probably accept it in a few weeks when things settle from my other recent new accounts Smiley Happy

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Business:



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Message 4 of 22
Senior Contributor

Re: Interesting preapproval - no HP to accept?


@heyryan wrote:

It will be! I actually only have a savings account with them - opened it so that I'd have a local account in case I needed to do something physically in the branch. I'll probably accept it in a few weeks when things settle from my other recent new accounts Smiley Happy


Sounds like a good plan!

Message 5 of 22
Community Leader
Senior Contributor

Re: Interesting preapproval - no HP to accept?

Awesome! That works for me 😊

Got some pruning to do... No more new cards!
Message 6 of 22
Super Contributor

Re: Interesting preapproval - no HP to accept?

awesmome! credit unions do rock and they apprecaite their customers. nice offer! 

Message 7 of 22
Community Leader
Super Contributor

Re: Interesting preapproval - no HP to accept?

Nice pre approval, and Id take the offer! Congrats to you on getting that offer!

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 8 of 22
Valued Contributor

Re: Interesting preapproval - no HP to accept?

That offer is legitimate. When I banked there years ago, I got the same offer. I chose the cash rewards card option and used the heck out of it. The day after the promo APR ended, I called to see about lowering the rate, and it was lowered to 7.99%, their lowest rate at the time.

 

If I were in your shoes, I'd take it in a heart beat.

 

Guyatthebeach

Message 9 of 22
Senior Contributor

Re: Interesting preapproval - no HP to accept?

Congrats on the preapproval! It looks like a sweet deal to me. I would take it OP. Enjoy!

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Message 10 of 22
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