- 1 Pre Approved Credit Cards No Credit Check
- 1.1 How To Get Approved For Credit Card After Denial Rejection Credit Card Recon Option
- 1.2 Scam Credit One Bank Visa Platinum
- 1.3 The Best Secured Credit Cards In Comparison
- 1.4 Bad Credit Credit Cards Guaranteed Approval
- 1.5 How To Get Approved For Credit Card
- 1.6 How Do Know If Ill Be Approved For Credit Card Credit Card Insider
- 1.7 Store Credit Cards Easy To Get Approved
- 1.8 The Best Secured Credit Cards For Bad Credit
- 1.9 How To Instant Approval Credit Card
- 1.10 How To Get High Limit Credit Card In
- 1.11 Business Credit Cards For Bad Credit How To Get An Initial Business Credit Profile And S
- 2 Way to get pre-approved store credit cards no credit check and rebuild credit
- 3 Cut Down on Credit Check Risk By Seeking Out Pre-Qualified Credit Card Offers
- 4 Get Better Credit Card Deals With Pre-Qualified Offers
- 4.1 1: Knowing That You’ll (Likely) Be Approved
- 4.2 2: Actively Seeking Offers For Better Credit Card Terms
- 4.3 List of Pre-Qualification Request Sites by Credit Card Issuer
- 4.4 Q&A Video: What Does It Mean To Be Prequalified For A Credit Card?
- 5 Check If You’re Pre-Qualified for Credit Cards
Pre Approved Credit Cards No Credit Check
How To Get Approved For Credit Card After Denial Rejection Credit Card Recon Option
Scam Credit One Bank Visa Platinum
The Best Secured Credit Cards In Comparison
Bad Credit Credit Cards Guaranteed Approval
How To Get Approved For Credit Card
How Do Know If Ill Be Approved For Credit Card Credit Card Insider
Store Credit Cards Easy To Get Approved
The Best Secured Credit Cards For Bad Credit
How To Instant Approval Credit Card
How To Get High Limit Credit Card In
Business Credit Cards For Bad Credit How To Get An Initial Business Credit Profile And S
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Way to get pre-approved store credit cards no credit check and rebuild credit
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Since these are preapprovals by soft inquiries, your credit report does not get hit with a hard inquiry, therefore your credit score is not affected and other creditors do not see soft inquiries, only hard inquiries.
If you are rebuilding, you may want to add positive accounts now so that 6 months, a year or two down the road these accounts have aged and helped improve your scores.
These lines would help your credit mix and add to your total credit line. They may be small at first, so to help your score you could either pay in full each bill or only use a small amount. Yes, keep in mind I have heard 35% of your credit line used is ok, but 10% utilization is golden to your FICO scores.
Let’s say you have a $500 credit limit. If you use 35% of that, it is $175 the most you can use. 10% of $500 would be $50, the most you could use.
If you are rebuilding and do not see a preapproval offer, I would not apply for the credit b/c then you will have a hard inquiry and we all know hard inquiries do hurt your score, especially after 5 in the last 6 months.
These companies normally give out credit line increases in 9 months provided you have a good credit limit, etc. at the time. I haven’t had mine that long to say if it is true.
You want to build credit so that lenders can see an excellent credit history. Getting cards and charging them up to the max can hurt your score really bad.
Cut Down on Credit Check Risk By Seeking Out Pre-Qualified Credit Card Offers
Being rejected for a credit card is not an enjoyable experience. A bit of personal embarrassment may be felt when a short and curt rejection letter arrives in the mail. The rejection also comes with a consequence. A mark gets recorded on a credit score every time someone applies for a loan. With a rejection, s mark negatively impacting a credit score is made without any approval for the actual credit card being received.
Applying for a credit card should not come with the risk of any negative impact. Pre-qualifying for a charge account could cut down on time and energy being wasted on a credit card that might be approved.
How can someone find out if he/she is pre-qualified for a credit card? Banks and credit card lenders will first perform what is known as a “soft credit check” in order to determine basic eligibility.
A soft credit inquiry focuses on the bank’s examining some very basic criteria such as the applicant’s income, number of credit cards, current financial obligations, and more. This is not a formal check that pulls up the credit history and the like. Since a soft credit inquiry is informal, nothing is noted against a credit score. This type of check assists both the borrower and the lender in a number of ways.
It is not until a full credit check on one of the three major bureaus — Experian, Equifax, and TransUnion — is done that anything actually appears on an official credit report.
Applicants need to be mindful of an important point about soft credit checks. They do not mean anyone is going to automatically be approved or denied regardless of what the soft credit check states. Only a complete and full credit check reveals all about the applicant.
The pre-qualifying check serves as a way of building confidence in the applicant. He or she is, essentially, informed through the pre-qualifying check that they currently appear to be a good prospect for a credit card. An applicant may choose to go forward with the application if the pre-approval comes back good. That said, the formal check may reveal a very low credit score, one that disqualifies the applicant from being approved.
On the other hand, an applicant may find himself not receiving a “pre-qualification approval” and choose to apply for a credit card anyway. The end result just might be an approval, a new credit card, and a reasonable interest rate all in one.
While being pre-qualified for a credit card can boost confidence, no one should automatically feel dejected by not being pre-qualified.
Millions of people receive credit card — and auto loan, and home equity loan, etc — pre-qualification letters in the mail. Banks often pre-qualify people in large numbers in order to effectively target them with great offers on a credit card. A bank a person has done business with for a long time is likely to receive pre-qualified offers consistently.
Sometimes, the offers may come from banks the individual never had any dealings with before. These banks acquire lists of pre-qualified leads and then send them out in mass mailing.
Various different banks and credit unions offer options for prequalifying people for loans. Several major banks certainly do so. Those who wish to work with a well-known bank to acquire their credit cards can explore pre-qualification applications with Bank of America, Citibank, Discover, and more.
Major banks might have a name, but the smaller financial institutions could deliver credit cards with very good terms. Checking out what these institutions has to offer could be worth the effort.
Yes, it is possible to also apply online for a personal loan and do so without an immediate to a hard credit inquiry. Depending upon the reasons for borrowing, there may not be a need for a credit card. A personal loan may suffice. Personal loans do not come with the “revolving credit debt trap” issue, which is another plus.
Those worried about the negative impact of a hard credit check shouldn’t worry too much unless they apply for a significant number of loans and credit cards. Regardless, applicants wishing to be extra careful have the option of taking advantage of soft credit checks. These checks just might make it easier to fully apply for a credit card or personal loan without too many worries.
When you want to sign up for a new credit card, going for a pre-approved card can certainly be tempting. […]
If you have a bad credit score but need a credit card, the application process can be stressful. You don’t […]
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Get Better Credit Card Deals With Pre-Qualified Offers
Jun 16, 2015 | Updated Apr 04, 2017
You’ve probably been annoyed with credit card offers in the mail, inviting you to apply for this card or that, but if you’re in the market for a new card those offers can actually be quite valuable.
There are two important aspects to pre-qualified credit card offers:
1: Knowing That You’ll (Likely) Be Approved
When you receive a pre-qualified credit card offer (also known as pre-approved or pre-screened offers) it may indicate that you’ve passed certain requirements set by the card issuer. If your credit was pre-screened, you can know that you’ll likely be approved for that card if you apply for it soon after, taking much of the mystery out of the application process.
To know whether an offer already considers your credit look for the “PRESCREEN AND OPT-OUT NOTICE” somewhere in the fine print. If you see that, your credit history has been considered. If you don’t, then this is a more generic offer that was not sent to you based on your credit history.
When your credit history has been checked, the offer is a “firm” offer, which means that the credit card issuer can’t change the terms of an offer after it is made unless there is significant new information or there are major changes to your credit history since the offer was sent.
Do Pre-Qualified Offers Hurt My Credit?
No, pre-qualified offers do not hurt your credit at all.
However, when you apply for a credit card (whether you were pre-qualified or not) you will generate a hard inquiry on your credit report, which will have a slightly negative effect on your credit score. This is a temporary effect and not usually something to be too concerned about.
2: Actively Seeking Offers For Better Credit Card Terms
Some of the offers you get will actually feature better terms for the cards than what you’ll find publicly available. These are designed to entice you to apply for the card, but also as a reward to you for meeting the card issuer’s credit criteria.
Some of the better terms you may find include:
- More points or cash back for spending a certain amount
- A longer 0% introductory interest rate for purchases and/or balance transfers
- A reduced interest rate for purchases and/or balance transfers
- A different combination of interest rates and rewards (more of one, less of the other, etc.)
- Possibly other card features
What many people don’t know is that you can actually seek out and request these pre-qualification offers on the websites of the major credit card issuers. There’s usually an easy-to-find link or section that includes a form asking for some personal information, often your location and the last digits of your SSN.
When you make the request, you’ll generate a soft inquiry on your credit, which does not hurt your credit score. Take note that you will not be able to request pre-qualified offers if you opt out of pre-approved credit offers.
Then, if you’re eligible, you’ll be able to view some credit cards that you’re pre-qualified for. Sometimes these will be the same offers that you’ll normally find on issuer websites, but in many cases you’ll find a better deal.
So, if you’re searching for a new credit card or think that one of your old ones could use an upgrade, take a few minutes to see what pre-qualified offers are available for you.
List of Pre-Qualification Request Sites by Credit Card Issuer
See what credit cards you may be pre-qualified for, for free and without hurting your credit.
Wells Fargo (current accountholders may have
access to pre-qualified offers upon request)
Q&A Video: What Does It Mean To Be Prequalified For A Credit Card?
Metal Credit Cards You Can Get Right Now
Review of the Blue Business Plus Credit Card from American Express
Review of the Amex EveryDay and Amex EveryDay Preferred Credit Cards
The Amex EveryDay and EveryDay Preferred Credit Cards earn lots of rewards at supermarkets, but is one of them best for you? Read this to decide.
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Check If You’re Pre-Qualified for Credit Cards
If you are interested in signing up for a credit card, then you should be aware of cards that are already pre-qualified for you. There is a difference between signing up for a card as a fresh, new member and signing up for a card pre-approved for you. Generally, the credit cards that are pre-approved have better deals. You might be asking, “How do I know if I am pre-approved for a credit card?” Well, this article will show you just how to that. Most credit card issuers now allow you to view pre-approval online. Below you will find a list of credit card issuers that allow you to view your pre-approval status.
Note: Being pre-qualified does not mean you will be approved for the credit card. Issuers will perform a hard pull on your credit before they approve you, so if your financial circumstances have changed since pre-qualification, then you will be denied the credit card.
American Express allows you to view your pre-qualification status online. You’ll just need to visit the American Express Pre-Qualification Status page and click ‘Check for Offer’ on the top. Fill out your personal information, and then click View My Card Offers. You will then be able to see a list of all the credit card offers you have been pre-qualified for.
Additionally, you are able to check if you are pre-qualified for small business credit cards. You just need to go to American Express Small Business Credit Cards. Scroll to the bottom of the page and fill out the form. Be sure to check the box saying that you accept to receive promotional offers from American Express.
You can view different Bank of America opportunities by clicking on Bank of America Customized Offers. You’ll need to fill out your name, address, DOB, and the last 4 digits of your SSN. Check the small box saying that you understand, and click on Get Customized Offers. The picture below will show you what the page looks like.
*BarclayCard recently pulled their pre-approved checker*
You will need to visit the Capital One Pre-Qualification page. On this page you will have to fill out the entire form with your personal information. Be sure to check the box that says “I understand that this is not a credit card application.” After clicking, you’ll be able to see a list of credit cards you might have been pre-qualified for.
On CreditCards.com there is a tool called CardMatch. It was designed to reduce the amount of websites you needed to check for your pre-qualification status. To get started, go to CardMatch. Click on Get Started for Free. You’ll need to fill out your personal information and continue through the process in order to find some card matches just for you.
For Chase, you can check your status by visiting Chase Pre-Qualified Card Offers. Like the other sties, you’ll need to provide your personal information in order to see which cards you are pre-qualified for you.
If you haven’t opened a Chase bank account, go ahead and check out our Chase Bank Account Promotions for cash bonuses.
Citibank also has a link where you can check if you have been pre-approved for a credit card. Go ahead and check out the Citibank Pre-Qualification Form. Again, you’ll have to fill out your personal information in order to gain access to your pre-qualified cards.
Like most of the other banks, you’ll have to visit their page Discover Find My Offer. Fill out all the information needed (first name, last name, last 4 of your SSN), and you will be able to see which cards you are offered and pre-qualified for.
US Bank recently re-added their pre-qualification checker, which you can view by clicking on US Bank Pre-Qualification Checker. Like the others, you’ll need to enter your full name, address and last four digits of your SSN. You’ll also need to tell them what you look for most in a credit card.
USAA is a bit different from usual card issuers when it comes to qualified offers because you WILL need to be a member prior to searching any existing pre-qualified offers. You will need to log into your account and they’ll show you pre-selected offers: search for ‘offers’, select ’My Offers Page’
Being pre-approved for a credit card provides numerous benefits for you as opposed to just freshly applying for one. Banks know if you have a good credit score and are more inclined to give you opportunities to bank with them, resulting in more benefits for you! Be sure to check with each bank to see if you are pre-qualified for their specific credit cards.
If you liked this article, go ahead and check out our Credit Card Promotions found only on BankCheckingSavings!
Anthony Nguyen, founder of Bankcheckingsavings.com, has a passion for finding the best deals, bank promotions, credit card offers, cash back, points & miles, and everything in between. Contact Anthony for media/advertising.
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