Credit Card Forum
  1. #1
    Green Member
    Join Date
    May 2013
    Location
    B Field
    Posts
    3

    Default Pre qualify for credit card offers without affecting score?

    Question: Would it be possible to prequalify for a Visa credit card without affecting your credit score?

    My last application for a Bank of America card was denied and I know that every time you apply there is a credit inquiries and having too many is bad for your score. I don't want to try for any more only to be turned down, I will feel like I wasted an inquiry for nothing. Are there any methods of checking if you're pre qualified before you formally submit your application?

    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  2. #2
    Centurion Member
    Join Date
    Dec 2012
    Location
    Iowa
    Posts
    125

    Default

    Left hand side of the page. You can check here safely for BofA cards without taking a hard pull on your credit.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  3. #3
    Green Member
    Join Date
    May 2013
    Location
    B Field
    Posts
    3

    Default

    But remember I said they already denied me

    EDIT: I clicked on that link to check again and you need to already have a Bank of America online account to use the pre qualified checker. I don't bank with them.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  4. Centurion Member
    Join Date
    Mar 2013
    Location
    TX
    Posts
    180

    Default

    Check your pre-qualification with CreditCards.com CardMatch

    go to card match and follow prompts from there. all soft pulls.
    MDL

    Amex Gold Prem'r
    Amex BCP
    Amex Green
    Barclays Ring Platinum MasterCard
    Citi Diamond Pref'd
    Chase Sapphire Pref'd Visa Signature
    Chase Freedom MasterCard
    Discover It
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  5. #5
    Centurion Member MemberSince99's Avatar
    Join Date
    May 2012
    Location
    WI
    Posts
    4,139

    Default

    Even with a pre-approval there are no guarantees. I'm pre-approved for Amex according to CardMatch, but I'm blacklisted with Amex, so that preapproval isn't going to get me a card.

    If you want a guarantee, it's just not going to happen. It does increase your odds, but nothing in life except death and taxes (both bad) is guaranteed.
    FICOS
    TU: 771 April 2014
    EQ: 777 April 2014
    EX: 779 April 2014
    TU08 (Barclay's) 798 April 2014 Statement
    Discover 791 June 15 2014

    Cards:
    Associated Bank Accelerated Rewards Signature Visa 21.5k (05/12)
    Amex Platinum NPSL (5/13 - backdated to 5/99)
    Chase Freedom Signature Visa 11.5k (1/14)
    Amex Everyday Preferred 6k (3/14 - backdated to 3/99)
    Amex Hilton HHonors Surpass 9.5k (7/14 - backdated to 7/99)

    Garden: Card carrying Garden Club member. Gardening for life (and beyond)!
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

+ Reply to Thread
 
These forum posts are not provided or commissioned by the bank advertiser. Posts have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Advertiser Disclosure: The credit card offers that appear on this site are from credit card issuers from which CreditCardForum.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CreditCardForum.com does not include all credit card offers that might be available to consumers in the marketplace.