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Credit Card "Pre-Selector" sites?

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On 3/8/2020 at 9:20 PM, hegemony said:

anyone try it?

I got a Visa Signature from them almost 3 years ago thru their online pre qual.

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51 minutes ago, deweysfba said:

Looks like virtually ALL the links in the post are now dead. 😢

some have been dead for a while (e.g., US Skank), but at least these are still live (I didn't check store cards or the subprimes other than discovery):

 

  • CITI
  • hsbc
  • usafinancial
  • Regions
  • Chase
  • subprime Discovery

 

  • and BOA (which is not always a true pre-screened offer)

 

So it seems virtually ALL of them are alive :wave:

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UPDATED LIST 5/5/2020

 

USALLIANCE Financial Credit Union

HSBC

Capital One

Citi

Chase

Bank of America

Discovery

American Express

BBVA

BankMobile Mastercard

Goldman Sachs Apple Card (via the wallet)

 

GEOFENCED:

Regions Bank

BB&T

 

Store and Subprimers

Milestone Gold (please don't apply)

Ikea Project Card (Comenity)

Home Depot

Kohls

 

RIP: US Bank

 

 

 

 

 

 

 

 

 

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23 hours ago, hegemony said:

UPDATED LIST 5/5/2020

 

USALLIANCE Financial Credit Union

HSBC

Capital One

Citi

Chase

Bank of America

Discovery

American Express

BBVA

BankMobile Mastercard

Goldman Sachs Apple Card (via the wallet)

 

GEOFENCED:

Regions Bank

BB&T

 

Store and Subprimers

Milestone Gold (please don't apply)

Ikea Project Card (Comenity)

Home Depot

Kohls

 

RIP: US Bank

 

 

 

 

 

 

 

 

 

Thanks for sharing this.  Question though...if you've LOCKED/FROZE your reports, would they need to be undone before they do these soft pulls?

With no relationship with a bank, not sure if the LOCK negates them from getting a soft pull.  

 

Thanks for the advice.  

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2 hours ago, TJSpends said:

Thanks for sharing this.  Question though...if you've LOCKED/FROZE your reports, would they need to be undone before they do these soft pulls?

With no relationship with a bank, not sure if the LOCK negates them from getting a soft pull.  

 

Thanks for the advice.  

Current lenders, in theory, can pull softs or hards so these links should work if you are a current customer (again at least in theory) but since these pre-screened systems are predicated on you being opened in for firm offers of credit you may be out of luck since when you freeze your reports it opts you out the same as if you went to the opt out website. You can try to opt back in via the opt out website (without unfreezing) but that may or may not work.

 

Unfreezing may or may not opt you back in (I'm not sure) but the only reasons to freeze, IMHO: 1) you are a victim of active ID theft or 2) you are about to apply for a mortgage.

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On 5/6/2020 at 6:09 PM, TJSpends said:

Thanks for sharing this.  Question though...if you've LOCKED/FROZE your reports, would they need to be undone before they do these soft pulls?

With no relationship with a bank, not sure if the LOCK negates them from getting a soft pull.  

 

Thanks for the advice.  

You need to unfreeze before applying.

 

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On 5/5/2020 at 6:59 PM, hegemony said:

UPDATED LIST 5/5/2020

 

USALLIANCE Financial Credit Union

HSBC

Capital One

Citi

Chase

Bank of America

Discovery

American Express

BBVA

BankMobile Mastercard

Goldman Sachs Apple Card (via the wallet)

 

GEOFENCED:

Regions Bank

BB&T

 

Store and Subprimers

Milestone Gold (please don't apply)

Ikea Project Card (Comenity)

Home Depot

Kohls

 

RIP: US Bank

 

 

 

 

 

 

 

 

 

BBVA appears not to be available in NC.

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