I just received, it doesn't state pre anything, just states I 'earned" this opportunity LOL. Not sure if I should take a chance 2.9 for purchases and BT for 9 months. They have always pulled both Exp and TU when they gave me the "opportuinty" to be declined in the past. My scores I think are 648 TU and 706 fake Experian. I think the platinum would be harder to qualify for?? Opinions?? Also it states instant decision by telephone, i thought MBNA always made you wait?? Thanks
I have found that with the exception of AmEx, "invitations to apply" are just that. Flattering verbiage makes you want to apply (that's marketing), but it doesn't mean a thing except that maybe you belong to some professional organization that is kind enough to sell your name and address, LOL.
Thanks breeze. Funny thing, it isn't even an invite, just states I earned it, that right there seems very scary LOL.
Right. Does the little form look like an application? teehee. Marketing departments are like that. Look and see if there is a promotional inquiry on one of your reports.
MY SON GOT LETTER TODAY...0.00% BT "GO-TO" 8.90% 1-800-437-0180 instant answer... Didn't open it for him...so I don't know the "verbiage"...
680 is good enough. Make sure you have NO DEROGS, make sure your debt ratio is low. They will probably pull EXP first, then TU if the credit analyst talks to you.
