Why is it that I never get pre-approved?

[TheFate]

I wonder if there's a way to put your name out there more, I actually like the pre approved letters but i'd like to start getting them from bigger companies

[JoshNurse]

Not sure if this is the reason or not but all I can remember is opening a simple bank account. Simple.com

And BAMn every week I get pre approvals. Chase also sent me a few these passed few days. Amex the Most then it would be discover and chase. I also remember some capital ones a few weeks ago.

I am just saying it could be but I am not 100% sure!

I think you need to get invited to join but I do have 7 invites. Send me a pm if interested and I will send you the invite. I won't have access to my internet until 7pm central time.

[elim]

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@KennyRS wrote:

A lot of people don't. There is an 800+ person who doesn't get them either. I know that I don't, as well.

I think it's because maybe at one point in our lives we were on the opt-out list? At least that's my theory, as it applies to me.

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  i opted out before the recession, when i was sick of getting them. now i could be so lucky to get one.

  is there a way to opt back in?

[Anonymous]

You can opt-in at the opt-out site.

https://www.optoutprescreen.com/?rf=t

[lg8302ch]

The only pre-approval I get are Comenity cards and for Amex Business.... the Business card offers from Amex are the ones getting me crazy as their deals are excellent but I cannot accept them because I am not eligible.. I do not have a business and I am only employee  ... honestly I much rather have no offers than offers that make me cry because I cannot accept them. Tried to get Amex to stop sending me their Business offers but this is a mission impossible....I am on their marketing list - get taken off and 3 months later I am back on. The next 100K point offer I am simply going to accept and see what will happen. Maybe that will get me of their business marketing list for good?

[pip3man]

same here too, the first, last and only preapproved offer I got was back in 2011 from Capital One and that's it till date. It's even more sad that I've never received an instant online approval either. All the cards I have, I/they either had to call in or the application required further processing. It really sucks honestly... really wanna be like others who apply and get a decision right away

[Anonymous]

Dang, i'm feeling a little guilty now, my three fico scores are all sub 700 and I got pre-approved for Amex charge card, Amex BCE, Amex Everyday, Discover IT, and a couple others that I shredded. All have a less than 10,000 CL but not by much. My Cap One card ($500-lol) is my oldest at about 7 years, other than that my revolving credit is a year or less. I have no idea why i'm all of a sudden a credit risk seemingly beyond my CR's. Oh, and when I pulled my CR's recently it turns out I also have an account ($200) in collections that slipped through the cracks. It's a mystery.

[lonelyisland]

Online specifically, I played around with previous addy's and akas from my credit reports. A different last name (haven't used in 5 years at least) garnered preapprovals from Amex and Chase, and a different address made the Total Rewards preapproval pop-up. I tried after noticing a solicitation from Amex used the other last name.

[MT936]

I've used the amex pre approval tool and the creditcards.com card match tool and niether had offers for me and I barely get pre approval letters in the mail but i have never been declined for a credit card. I have the amex blue cash everyday, discover it, chase freedom and I recently got approved for the PRG amex without it appearing in any preapproval site. My fico is 750 but I am 21 years old which is probably why I am not getting targeted for these offers. I wouldn't generally use those pre approvals as a reference to see if you would get approved or not I would just go ahead and apply.

[SomeGuyOnTheWeb]

I'm the opposite. I get pre-approvals out the ying yang.

Credit One

Citi (some black card)

Capital One GM card

Amex Green

Amex Gold

Discover IT (used to get an invite every week until I apped for it)

I'm not entirely sure why. I'm not exactly top tier (about ~$32K income). Before this year, the last time I received any pre-approvals was when I was a freshman in college, over 10 years ago.