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Pre approved then denied?

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907grown
Established Contributor

Pre approved then denied?

GGGRRR! I got one of those Pre approval notices from CITI preferred thank you card, usually anytime I get those they go straight to the garbage, not this one though... Honestly I don't know what possessed me to apply for it. Either way I did and they declined me..... Lesson learned.... Stupidly, I didn't try to get a feel of credit score requirement to be approved... When I did look it up after the facttithe required score is higher the n mine.  I'm sorry credit score.....  Smiley Sad



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SunriseEarth
Moderator Emeritus

Re: Pre approved then denied?


@907grown wrote:

GGGRRR! I got one of those Pre approval notices from CITI preferred thank you card, usually anytime I get those they go straight to the garbage, not this one though... Honestly I don't know what possessed me to apply for it. Either way I did and they declined me..... Lesson learned.... Stupidly, I didn't try to get a feel of credit score requirement to be approved... When I did look it up after the facttithe required score is higher the n mine.  I'm sorry credit score.....  Smiley Sad


Sorry about your denial.  Unfortunately, the pre-approvals aren't a guarantee.   And yes, it's good to research and see what scores and credit profiles are like for people getting approved.

I'd just use it as an opportunity to get a free CR and make sure everything looks accurate.  The denial letter will also give you some working points, so you know what needs improvement.

 



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