- May 14, 2011 at 12:55 pm #212730AnonymousInactive
…approve people? I understand that “pre-approved” only means “pre-approved to apply”, but why bother sending it at all if the person isn’t going to get the card anyway?
- May 20, 2011 at 2:35 am #282380AnonymousInactive
One should not fill out a pre-approved offer. It will lower your credit score.
- June 10, 2011 at 2:42 am #287706Zachery SartoriMember
Because they do not know yet if the person is going to get the card. It costs money to decide whether they will approve someone. It would take too much time and money to decide about each person who receives the offer before they send the offer. It is less expensive to send the offers first, so that they only have to spend the time and money to decide about the persons who apply.
- September 18, 2011 at 12:43 am #290349AnonymousInactive
i dont think they know who has good credit or not so they just send them. i think
- September 21, 2011 at 8:13 pm #291596Henri BeachParticipant
They likely did a soft inquiry and saw that your credit was acceptable, but then when you applied and gave them more info, they didn’t like the whole package. Perhaps your job history isn’t long enough, stable enough, income not enough. Perhaps you move around every 3 months and that freaks them.
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