I received one of their preapproved offers in the mail yesterday and from searching on the board it looks like typically these seem to be genuine preapprovals and that they don't even bother to pull a hard inquiry - is this the general experience? I'm thinking of getting the card but am just about to refinance my home loan and would like to keep inquiries to a minimum at this time. Any thoughts? thanks
YMMV, but when I activated my preapproval online they did not pull an inquiry. That was last March, and I started with a $1,230 (I think) credit limit. Now I'm up to $7,500. You can't beat their no payment, no interest deals.
