Pre-selected to apply?

[Creditplz]

Yeah I wouldn't risk it unless they pre-qualify you online

[injustifiiable]

A SP would be nice. lol.

Was there opt-out language and a set APR on the letter? Was just wondering.

[righthererightnow]

I would LOVE a high limit. I tried to research high limit cards, but they all seemed out my score-range (I live in an area that seems to pull Equifax).

re: AAdvantage.. I rarely travel, so that card is not for me... but WOW. Lots of benefits for those who do! I'll book-mark it for future apps if my situation changes, that's a good card.

[righthererightnow]

0% apr for 9 months,

23.24% apr after (I know, terrible, but I want this card)

"you can choose to stop receiving pre-screened offers of credit from this and other companies by calling toll free 18885678688, see pre-screen opt out notice on the other side for more information about pre-screened offers" (at the bottom of the page, in a black lined box)

(via the back....) "this pre-screened offer of credit is based on information in your credit report indicating that you meet certain criteria. this offer is not guaranteed if you do not meet our criteria. if you do not want to receive pre-screened offers of credit from this and other companies....." (number repeated, and information on writing Experian, Transunion, Equifax)

[injustifiiable]

---

@righthererightnow wrote:

0% apr for 9 months,

23.24% apr after (I know, terrible, but I want this card)

"you can choose to stop receiving pre-screened offers of credit from this and other companies by calling toll free 18885678688, see pre-screen opt out notice on the other side for more information about pre-screened offers" (at the bottom of the page, in a black lined box)

(via the back....) "this pre-screened offer of credit is based on information in your credit report indicating that you meet certain criteria. this offer is not guaranteed if you do not meet our criteria. if you do not want to receive pre-screened offers of credit from this and other companies..... (number repeated, and information writing Experian, Transunion, Equifax)"

---

Yeah, the APR is kinda sucky, so I'd hold out. Citi sometimes likes to send out multiple offers in a short period of time with varying APR's...if they pull EX where you are you should be able to do a bit better than 23.24 definitely. 

[righthererightnow]

Everyone seems to pull Equifax.. I wish they would pull Experian.

Will hold out. Maybe as my score grows I'll get a pre-approval.. maybe someday. Fingers crossed.