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Credit Card "Pre-Selector" sites?


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929 replies to this topic

#1 socalfiremedic

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Posted 10 March 2008 - 03:16 PM

So after a extensive search on CB & Google, the below credit card sites are the only ones I could find that pull 'soft' inquiries to see if you qualify for their cards.

note: deleted original links - they're dead. please use the links below.


Courtesy of foeplay - update as of Sept 7 2010:

Pre-approval links
HSBC pre-qualifier (must bank with HSBC): https://www.hsbcappl...hsbccreditcard/
HSBC/Household pre-qualifier: https://www.hsbcappl...t/householdbank
HSBC/Orchard's pre-qualifier: https://www.hsbcappl...art/orchardbank
HSBC/BestBuy's pre-qualifier: https://www.hsbcappl...dzonemastercard
Capital One's pre-qualifier: https://cardfinder.c...3ZZZZZZZZZZZZZZ
Discover's pre-qualifier: https://www.discover...ORE_pre_chk_btn

Database checkers (not a pre-qualifier; checks to see if they have any currently standing offers for you in their database)
Bank of America: https://preselected....elfInquiry.aspx
Citibank: https://www.citicard...o?screenID=4010
American Express (Click on "NOT A CARDMEMBER YET"): https://www201.ameri...atePerfectCards
Chase checks for recently mailed offers https://creditcards....iledOffers.aspx

Sites that have been known to give pre-approvals when you shop there/go to check out there:
Victoria's Secret http://www.victoriassecret.com
Newport News http://www.newportnews.com (you can check to see if you're pre-approved here: https://www.newport-...preapprove.aspx )
Spiegel http://www.spiegel.com (you can check to see if you're pre-approved here: https://www.spiegel..../eligcheck.aspx )
Metrostyle http://www.metrostyle.com
Chadwick's http://www.chadwicks.com
Roamans http://www.roamans.com

Edited by breeze, 12 November 2012 - 11:14 AM.
added chase




#2 sara21200

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Posted 10 March 2008 - 03:18 PM

I think AMEX is a soft as well (not 100% - can someone chime in?)

#3 socalfiremedic

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Posted 10 March 2008 - 03:19 PM

I'll see what I can find for AMex. My scores have never been high enough for AMEX, so I wouldnt know :rofl:

#4 socalfiremedic

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Posted 10 March 2008 - 03:22 PM

AMEX SOFT PULL:
https://www201.ameri...t?csi=0/0/b/510

Edited by socalfiremedic, 10 March 2008 - 03:27 PM.


#5 zersha

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Posted 10 March 2008 - 03:35 PM

Thanks!

I just did the orchard bank one, and was offered an unsecured, so I took them up on it. They said it was approved.

This is good because we need to add some more revolving credit before we apply for a mortgage in the next 1-2 yrs. I had thought I was going to need to do a secured card.

#6 chi

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Posted 10 March 2008 - 05:34 PM

I saw a thread that was posted in the last week or two that had a link for Cap One's no hard pull card selector site.

I can't seem to find it. Maybe someone who has the link can post it for you.

#7 vickilee

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Posted 10 March 2008 - 05:57 PM

Do the preapprovals work if you are OPTED OUT??

#8 clrntsqueak

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Posted 10 March 2008 - 06:00 PM

LOL, BOA couldn't approve me for anything. Odd.

HSBC offered me their "Weekend" card.. interesting.

#9 sarg

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Posted 10 March 2008 - 06:09 PM

Does the AMEX card selector trigger F/R? ;)

#10 CinciJeff

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Posted 10 March 2008 - 06:29 PM

Does the AMEX card selector trigger F/R? :P


LOL : ;)

#11 sara21200

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Posted 10 March 2008 - 06:33 PM

Do the preapprovals work if you are OPTED OUT??


BOA doesn't. I am not sure about the others.

#12 sara21200

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Posted 10 March 2008 - 06:36 PM

So after a extensive search on CB & Google, the below credit card sites are the only ones I could find that pull 'soft' inquiries to see if you qualify for their cards.



HSBC (Non Orchard Bank):


https://www.hsbcappl...0802000172HPHHX


ORCHARD BANK:

https://www.hsbcappl...0802000161HPHHX




BOFA:
https://preapproved....elfInquiry.aspx




AMEX:
https://www201.ameri...xpress.com/card

lol denied




Please list any other 'soft pulling' card sites that allow you for the chance of pre-approval. Since I've opted out, I get like NO credit card offers anymore :wave: It'd be much appreciated.

And for the record, these don't work with *B.


Someone posted recently that BOA pulled a hard when they used the pre-approval tool. I have played around with it in the past several times and it was never even a pull...YMMV.

#13 zersha

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Posted 10 March 2008 - 06:46 PM

Do the preapprovals work if you are OPTED OUT??


BOA doesn't. I am not sure about the others.



Ahh, that's why.

I have opted out. But when I just tried for the BOA card it said it couldn't help me at this time. (or some other wording meaning the same thing).

But the Orchard card pre-approved me for an unsecured, and then approved me for the card after I did the real app.

I guess I'll see tomorrow when I pull my TC if they did a hard pull after I actually applied & was approved.

#14 socalfiremedic

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Posted 10 March 2008 - 06:50 PM

still trying to find the 'soft pull' capital one link.

#15 hegemony

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Posted 10 March 2008 - 06:54 PM

BOA is not a soft pull. It is a way to see if they have a standing offer for you. If they do and you apply then it will be a hard.

Edited by hegemony, 10 March 2008 - 07:01 PM.


#16 Mister T

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Posted 10 March 2008 - 06:58 PM

BOA is not a soft pull.

The "check for offers" link isn't a hard pull.

I speak not only from experience, but also from the wording on their site:

"This is not an application for credit. The information requested below helps us to determine if you qualify for any special offers. If qualified, you will receive an invitation to apply for a credit card. We will not use the information that you provide us for any other purpose."

#17 socalfiremedic

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Posted 10 March 2008 - 06:59 PM

BOA is not a soft pull.



Its a pre-selector. I've used this probably 25 times since january. No hards.


Soft Pull.

Edited by socalfiremedic, 10 March 2008 - 07:00 PM.


#18 hegemony

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Posted 10 March 2008 - 07:00 PM

BOA is not a soft pull.

The "check for offers" link isn't a hard pull.

I speak not only from experience, but also from the wording on their site:

"This is not an application for credit. The information requested below helps us to determine if you qualify for any special offers. If qualified, you will receive an invitation to apply for a credit card. We will not use the information that you provide us for any other purpose."

that is not what I meant. The BOA form only looks to see if you have a standing offer from BOA. It does not in real time access your credit as a soft or hard; unless you apply then it will be the hard way.

Edited by hegemony, 10 March 2008 - 07:00 PM.


#19 hegemony

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Posted 10 March 2008 - 07:01 PM

BOA is not a soft pull.



Its a pre-selector. I've used this probably 25 times since january. No hards.


Soft Pull.

please see my edit above.

#20 socalfiremedic

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Posted 10 March 2008 - 07:05 PM

BOA is not a soft pull.



Its a pre-selector. I've used this probably 25 times since january. No hards.


Soft Pull.

please see my edit above.

Ahh. Gotcha. Thanks for the clarification.

#21 chi

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Posted 10 March 2008 - 07:05 PM

still trying to find the 'soft pull' capital one link.

I still can't find the thread.
I had clicked on the link in that thread and I finally remembered to look through my browsing history - here is the link from that thread for the Cap One selector

https://cardfinder.c...3ZZZZZZZZZZZZZZ

Edited by chi, 10 March 2008 - 07:18 PM.


#22 hegemony

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Posted 10 March 2008 - 07:06 PM

BOA is not a soft pull.



Its a pre-selector. I've used this probably 25 times since january. No hards.


Soft Pull.

please see my edit above.

Ahh. Gotcha. Thanks for the clarification.

Thanks for catching my lack of clarity LOL. I wouldn't want anyone to think the "no soft pull" meant it was a hard to check for offers.

#23 socalfiremedic

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Posted 10 March 2008 - 07:10 PM

still trying to find the 'soft pull' capital one link.

I still can't find the thread.
I had clicked on the link in that thread and I finally remembered to look through my browsing history - here is the link from that thread for the Cap One selector

https://cardfinder.c...3ZZZZZZZZZZZZZZ



Sweet.. Thanks. Added to the initial post.

#24 chi

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Posted 10 March 2008 - 07:14 PM

still trying to find the 'soft pull' capital one link.

I still can't find the thread.
I had clicked on the link in that thread and I finally remembered to look through my browsing history - here is the link from that thread for the Cap One selector

https://cardfinder.c...3ZZZZZZZZZZZZZZ



Sweet.. Thanks. Added to the initial post.

I just found the thread :(


http://creditboards....p;hl=cardfinder

Edited by chi, 10 March 2008 - 07:18 PM.


#25 Vinny2020

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Posted 10 March 2008 - 08:06 PM

:o Good one!
Also, someone said you can't use the Amex selector if you already have an Amex card.
Not sure if that is true with the other banks.

Does the AMEX card selector trigger F/R? :lol:


LOL : :rofl:






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