I have a 740+ Score. I have been a good customer of the AT&T Universal Card for several years. They started bombing me 6 months ago with pre-approved offers for 0.0% for one year. Well, I applied and they denied me for debt-to-income reasons, even though my debt-to-income is 1/4 of what is was when they approved my years ago. I paid off my card and cancelled my account. BEWARE OF THESE PEOPLE!!
I just got one, but it took 2 hard inqs. to do it. I'm a little mad about that. It would be one thing if it were EQ, were I get bumpage, but geez, it's TU. I have 12 hards now on that one, and they're almost all in the last year =(
