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Postman u BA$t@#%

Valued Contributor

Postman u BA$t@#%

I was talking about no one SPing me and not getting any offers. Well, I get home and I have a bright pretty letter from Citi with the Thank you card logo on it. I'm thinking it's about time. I take a second glance before opening it and realize the damn postman put my neighbor's mail in my box. The pre approval offer was for my neighbor and not me. Damn U cruel credit gods!!

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 1 of 20
Valued Contributor

Re: Postman u BA$t@#%

Lmao...owned by the postman


haha...sorry, I never get preapproval offers either.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    

     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 2 of 20
Valued Contributor

Re: Postman u BA$t@#%

my dad and i got the same exact cc pre approval from cap one. i shredded mine and he accepted his. 

(ive been here since 1996-at age 5, and he's been here since 2010-about as old as my oldest cc)

he got a 500 limit c1 plat waived first year af and then 19 after. 


so honestly if a pre approval only entails a 500 limit, im good. (i know its ymmv im just saying)



p.s. before this summer and my crazly apping i have never gotten a pre approval. so far ive gotten cap 1, discover, chase, and some comapny i thought was cap one but something completely different. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9

2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 3 of 20
Moderator Emeritus

Re: Postman u BA$t@#%

Lol, there is a forum member named postman, and I was like wow! What did postman do?

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!

Take the myFICO Fitness Challenge
Message 4 of 20
Valued Contributor

Re: Postman u BA$t@#%

So now they're keeping the good pre-approvals, along with the Victoria's secret catalogs, and playboys that "got lost."   HAHAHAAHAHAA!!!

Message 5 of 20
Established Contributor

Re: Postman u BA$t@#%

Dang now thats hilarious Smiley Happy

Message 6 of 20
Valued Contributor

Re: Postman u BA$t@#%

LOL, better yet, how about if your spouse get pre-offer and you don't?


Maybe it's just me. Smiley Very Happy

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 7 of 20
Valued Contributor

Re: Postman u BA$t@#%

I could see that happening to me, especially since my honey doesn't work, and Citi hates me too.

Message 8 of 20
Established Contributor

Re: Postman u BA$t@#%

ehh I haven't gotten one pre approval from a prime lender either.  Don't need one either just need to garden...


BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 9 of 20
Moderator Emeritus

Re: Postman u BA$t@#%

Just don't go postal!   Sorry, had to say it!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 10 of 20