What does this even mean?

[killer_queen229]

Why would BOA give me a pre qualified offer for their Cash Rewards card? They've always denied me. Even good old CK said my chances for some of their cards were very good. I'm just in over my head probably.

[kdm31091]

Did they personally mail it to you? Or are you talking about the "prequals" on the website?

The ones on the website spit out the same info for everyone and aren't true prequals.

[killer_queen229]

Website. Every time I've done it online nothing would show up until now.

[Anonymous]

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@killer_queen229 wrote:
Why would BOA give me a pre qualified offer for their Cash Rewards card? They've always denied me. Even good old CK said my chances for some of their cards were very good. I'm just in over my head probably.

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Pre-qualified is often a marketing technique to get you to apply.  It does NOT mean you will get approved.  It all comes down to your credit portfolio, income etc..

Also, why would you rely on CK of your chances.. You are aware they get paid for marketing and when people apply through them right?

[killer_queen229]

Yeah I know how CK is. CK and my Discover TU score are only 1 point apart. I know that's why I thought it was weird that that would pop up on their website when I've always been denied.

[Anonymous]

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@killer_queen229 wrote:
Yeah I know how CK is. CK and my Discover TU score are only 1 point apart. I know that's why I thought it was weird that that would pop up on their website when I've always been denied.

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Ok.. If the thing on BOA site says "we recommend this", I'd move on and not apply.  That is not a pre-equal..

[killer_queen229]

I just checked and it indeed does say that. I personally wouldn't go for them again they've denied me like 3 times. I just found it interesting. Although when I did it on Chase's website, the card I ended up getting approved for was one of the recommended cards.

[Anonymous]

What about mailed offerings?  I have one that expires 5/30/2015, and it reads "Preselected offer" for the cash awards Visa.  I'm not going to app this I was just curious on the wording of the "offer" or is it like the weekly stuff I seem to get from Discover that always says "invitation"?

The funny of this?  The opening paragraph says "your excellent credit history suggest you have very high standards when it comes to the financial products you choose".  The funny is years ago I burned them in a CO of rhe 99/500 card.  Possible it was long enough beyond there ban period but I find it highly unlikely.

[Anonymous]

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@killer_queen229 wrote:
I just checked and it indeed does say that. I personally wouldn't go for them again they've denied me like 3 times. I just found it interesting. Although when I did it on Chase's website, the card I ended up getting approved for was one of the recommended cards.

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Don't confuse Chase pre-quals with other banks. Chase and Cap One are the only reliable pre-quals in the business. Every other lender's pre-quals mean almost nothing, including BOA

[killer_queen229]

I've never had luck with TD Bank and BOA. I just haven't tried applying again for a while now. Got sick of being denied.