Interesting preapproval - no HP to accept?

[heyryan]

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. 

[Ysettle4]

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

[Anonymous]

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

[heyryan]

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

[Anonymous]

---

@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

---

Sounds like a good plan!

[Anonymous]

Awesome! That works for me 😊

[ddemari]

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

[pizza1]

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

[Guyatthebeach]

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

[Anonymous]

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