Is it worth to apply for a card if you are not prequalified?

[Dw4250]

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@heyarrnold wrote:

The cards that I have, none of those I was pre-qualified for lol. You definitely still have a chance

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heyarnold...not trying to hijack the thread, but on your siggy it says you are a 21 year old UC Santa Barbara grad?  That's awesome!  

How were you able to finish 1-2 years early, if you don't mind my asking?  I have a little brother in college right now, but he seems destined for the 6 year plan....  Would love some advice I could pass on to him!

[jsucool76]

If I never applied for cards I didn't receive a pre-approval for...I would only have my capital one card. Haha

[Anonymous]

I haven't applied for any "pre-qualifieds" since the late 90s, and I haven't had that card in a long long time, though its still on my good record as closed. All the cards I have applied for have been pretty much within the last 14 months, and I sought them out.

Im not sure if the pre-qualified to apply applications you get in the mail is the same thing as a pre-qualified to be approved. My understanding is that "pre-qualified" only means you have been pre-screened to TRY and apply.

I have found that unless your on the right mailing lists (usually after applying for credit) you wont normally see pre-qualified messages or mailers for the top end rewards cards with the best APRs and perks. You pretty much need to go searching for those.

[Closingracer99]

Out of all the cards I have I only got pre-qualified mailers for the Capital one QS and Discover it cards. Cold apped the rest of mine 

[chalupaman]

None of the cards I have in my sig I was prequalified for. Only one of those I've ever gotten was for some Credit One card and quite frankly I would have never taken that offer. 

[heyarrnold]

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@Dw4250 wrote:

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@heyarrnold wrote:

The cards that I have, none of those I was pre-qualified for lol. You definitely still have a chance

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heyarnold...not trying to hijack the thread, but on your siggy it says you are a 21 year old UC Santa Barbara grad?  That's awesome!  

How were you able to finish 1-2 years early, if you don't mind my asking?  I have a little brother in college right now, but he seems destined for the 6 year plan....  Would love some advice I could pass on to him!

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Hey there! I'll PM you

[PlasticOrPlastic]

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@Anonymous wrote:

My wife went through the "pre qualify" Cap1 web site and she got a message saying they couldn't match but they based on her answers they recomended  to apply for a cap1 platinum.

My question is, does she really has a chance if  she is not gettin a prequalification ?  Is it possible to not be prequalified and the get the card when you actually apply?

Her TU FAKO Score is 630.

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I've never gottten a pre approval.  I did try the pre approval for the Sallie Mae card and got nothing...apped anyway and got instant approval.  I'd say if shes needing a card to go ahead and app.  Good luck!

[Anonymous]

What's the prequal site for Sallie Mae?

[jamesdwi]

I have only been pre-approved for about 2 cards, out of the 16+ major credit cards I have had, pre-approved are rare. you have to match the qualifications they were looking for at the time, maybe you had an AAoA too low, or had too many cards, or got a new cards 6 month ago and they were only looking for people with no new card in 7 months to get an offer that time. If you have no baddies and you meet the other qualifications go ahead and appy you may be surprised... I have gotten 5 digit limits on cards I wasn't pre-qualified for... 

Chase Southwester and  CSP come to mind, see my signature those cards still have the same CL I got when I openned them. 

[Andy77]

I was not pre-approved for any Cap One cards and I applied for Venture and got a 20k cl

So, ANYTHING is possible....