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Old Navy card pre-approval

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
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Regular Contributor

Old Navy card pre-approval

Today I was shopping on my phone at oldnavy.com. I got the Congrats you are pre-approved for an Old Navy Card message. Is the accurate, was I really pre-approved?

I was logged into my user profile when this happened.

Starting CK FAKOS 6/28/2018
TU 503
EQ 498
Discover EX 537

FICO Score 8 7/7/2018
EX 557
TU 566
EQ 514

Current FICO Score 8 as of 5/13/2019
EX 628
TU 644
EQ 598

Goal Score 650
3 REPLIES 3
Regular Contributor

Re: Old Navy card pre-approval

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Starting CK FAKOS 6/28/2018
TU 503
EQ 498
Discover EX 537

FICO Score 8 7/7/2018
EX 557
TU 566
EQ 514

Current FICO Score 8 as of 5/13/2019
EX 628
TU 644
EQ 598

Goal Score 650
Message 2 of 4
Valued Contributor

Re: Old Navy card pre-approval

Should be pre-approved but some of these type store cards can have very low limits and very high APR.

 

The last thing you want to do to rebuild credit is open up 10 store cards with $200 limits.

 

GL!

 

 

Rebuild started in 2014  -  $100k total unsecured credit in 2017  -  $200k+ total unsecured credit in 2019.

  DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

       10% Rotating - Discover                             5%-20% - Amazon & Lowes                       6% Groceries - Amex Preferred (DW)
       5% Gas & Sporting - Ducks Unl                 4% Dining & Entertain - Savor                   3% Travel & Hotels - Propel & Uber
       2% Everything Else - Venture                    1% Cancer Charity - Fifth Third                 0% Financing Promos - QuickSilver




        
Message 3 of 4
Regular Contributor

Re: Old Navy card pre-approval

I didn't take the bait but it was nice seeing the pre-approval come up for something other than Comenity.

 

My Discover card recently graduated and I've been using it like cash. I'm enjoying the perks of that card more than anything. I'm ready to get an AMEX card next but I still have some more rebuild work to do.

Starting CK FAKOS 6/28/2018
TU 503
EQ 498
Discover EX 537

FICO Score 8 7/7/2018
EX 557
TU 566
EQ 514

Current FICO Score 8 as of 5/13/2019
EX 628
TU 644
EQ 598

Goal Score 650
Message 4 of 4