I got offer for preapproved, ( not preselected) zero % until Dec.2002 minimum LOC of $200 (fine print), says up to $1200 no fee offer good to 6/19, send in ss/dob/phone or call the 1-800-77Kmart number My goal is to try to position myself for prime APR on auto loan in Spring of '2003, after 13BK falls off, along with deletion of derog's on tradelines that are also associated with the BK. (about 6 on each CR) The only cc's I have currently have: Received TargetVisa 5/15. $700 LOC, applied online/approved online/started reporting 6/3 Bank of America AU on daughter's new account, $1500 LOC, started reporting 1 week ago no other CC's, other than $500 LOC from Penney's. <Account remained open even through '96 13BK, no current balance> no balances to transfer only other debts are $96K house note, and $6K SallieMae parent loan for daughter's college I was thinking that maybe it would be a good idea to get foot in door with Mr. Cooke, get a starting point, and then I could work on a better APR and LOC as time goes by. or should I just lay low, not answer any enticements from CAP1 ??? opinions, please?
sorry, should have clearly stated this offer is for Kmart Platinum Mastercard obviously one of the less prime "Platinum" cards? if I did bite on this offer, what do you think I could expect from Mr. Cook in terms of increased LOC and lower APR? what would he want to see in terms of usage/balance/payment ratio to balance/over what period of time/// all with the intent of giving him a warm & fuzzy?
dad gummit, must need more coffee two posts, and I still forgot to mention an important item...starting APR is sad and sorry 19.8% maybe I should just let this offer fall into the same file 13 as others that I have received ???
Not really answering your question but I received the same "preapproval" and then was declined. All I have is a hard inq on TU and EX to show for it. Not even the $200 limit. But it seems like lots of other people have had better luck.
Seems like if their system doesn't like you, it really doesn't like you. I have had this happen with them before too.
I FINALLY got a REAL CAPITAL ONE "PRE-APPROVED" and actually got $7,500 limit a couple of months ago...
George, As aka Superman, were you at the Superman Festival in Metropolis, Il this weekend. If so, I miss you, LOL! Annie Trying to keep the MAN'S foot off my neck
I'd wait a few months. I've been bombarded with solicitations from cap 1 kmart plat. They started with the up to 1200 cl. My latest solicition was cl up to 6000 and 0% on purchases and 0% on bt til jan 2002. I can't remember what the min cl was - I think $500.
