5. And The Pre-Approved Credit Card
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Luckily, prequalified credit card offers can help you take a lot of guesswork out of the application process, allowing you to get a sense of where you stand before you apply. Checking for prequalified offers should give you some peace of mind and help you narrow your list as you try to find the best credit card for you, but each issuer handles prequalification a bit differently.
Each issuer approaches prequalification in its own way, with some giving applicants an easy way to check for prequalified offers across cards and others only featuring this option on select cards or via prescreened offers they put together themselves.
The Blue Cash Everyday Card is a solid cash back card that offers 3 percent cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases (on the first $6,000 spent per year on each category, then 1 percent), and 1 percent on all other purchases. It has a $0 annual fee and new cardholders can earn a great welcome offer. Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months.
The Discover it Cash Back credit card is another no-annual-fee card that makes earning cash back on your everyday purchases easy. Not only does this card offer 5 percent cash back after activation on rotating categories each quarter (up to $1,500 in purchases, then 1 percent), but with its Cashback Match program, Discover automatically matches the total amount of cash back you accumulate your first year with this card.
One of the first and most important steps you can take to improve your credit profile and your approval odds is to keep up with payments on your existing accounts. Payment history makes up a whopping 35 percent of your FICO credit score, so if you have any payments outstanding or have recently been late paying your credit cards, retail accounts, installment loans or other bills, be sure to pay on time, every time going forward.
While income is not included in your credit report, it can still be a factor when it comes to getting prequalified card offers. Card applications almost always ask for your income when you apply, but you can also update your income with card issuers voluntarily once you become a customer. If your income has increased since you first became a customer of your current card issuer, updating it may get you more prequalified offers for higher-tier cards.
What is the IKEA Visa card customer service numberFor customer service call 1-866-387-6145 for the IKEA Visa Credit Card, or 1-866-518-3990 for the IKEA Visa Signature Credit Card (TDD/TTY 1-888-819-1918).
Can I get pre-qualifiedYes, you can get pre-qualified for the IKEA Projekt Credit Card in the mail in approximately 10 business days. If you apply and are approved in-store you may receive a temporary card to use at that time.
How will I receive my IKEA Projekt Credit CardOnce approved, you will receive your IKEA Projekt Credit Card in the mail in approximately 10 business days. If you apply and are approved in-store you may receive a temporary card to use at that time.
^Waived Interest, Payment Required plan: Interest will be charged to your Account from the end of the promotional period on any remaining promotional plan balance. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. Qualifying purchases will automatically be placed on a promotional plan. If purchase qualifies for more than one plan, it will be placed on the qualified plan with the longest promotional period. As of August 2022, terms for new Accounts: Purchase APR of 21.99%. Minimum interest charge is $2 in any billing period in which interest is due. Cardholders: see your credit card agreement for Account terms.
Promotional Credit Plan Details: Waived Interest, Payment Required. No interest for 6, 12, 24 months. After that, purchase APR of 21.99% on purchases of $500 or more for 6 months or $1000 or more for 12 months or $2500 or more for 24 months made with your IKEA Projekt Credit Card. Interest will be charged to your Account from the end of the promotional period on any remaining promotional plan balance. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. Qualifying purchases will automatically be placed on a promotional plan. If purchase qualifies for more than one plan, it will be placed on the qualified plan with the longest promotional period. As of August 2022, terms for new Accounts: Purchase APR of 21.99%. Minimum interest charge is $2 in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.
3Cannot be combined with other offers. Valid one time only. The entire transaction amount after discount must be placed on the IKEA Visa Credit Card. Exclusions: Prior purchases, payment on IKEA Visa credit Card accounts, IKEA gift cards, and TaskRabbit assembly. If your online application is approved and you make a same day $25 or more qualifying purchase online the $25 off First Purchase offer will be received as a statement credit within 1-2 billing statements. If your in-store application is approved and you make a same day $25 or more qualifying purchase in-store the $25 off First Purchase offer will be automatically redeemed.
4Valid one time only. Offer is exclusive to IKEA Visa Credit Card holders enrolled in the IKEA Visa Credit Card Rewards program. Exclusions: Payment on IKEA Visa credit card accounts, IKEA gift cards, and TaskRabbit assembly. Reward certificates are earned in $15 increments.
Credit card offers are subject to credit approval. IKEA Projekt Credit Card Accounts are issued by Comenity Capital Bank. IKEA Visa Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license
When you've been pre-approved for a credit card offer, this means that you've been prescreened based on specific criteria, including your credit and payment history. Lenders prescreen consumers by requesting a soft inquiry to check credit and determine who qualifies.
Based on these factors, you may be pre-approved for an offer. You might receive these offers from card issuers that you already have an account with, or from affiliated partners who are looking for ways to promote their credit card offerings. Pre-approval offers can be delivered by physical mail or email, or provided verbally through a phone call.
If you've received a pre-approval offer, the credit card issuer has reached out to you first because you meet the basic requirements. Pre-approved credit card offers differ because lenders already have the information needed to assess your credit worthiness.
Pre-qualification for a card indicates that you've made the first request and reached out to the credit card company to see if you might be approved for the card you're interested in. The credit card issuer may then look at your financial profile and show you credit cards and offers that you might qualify for if you apply. It's not a guarantee, but it's a good sign.
In short, the card issuer needs to pre-approve you for a credit card, and then you can take action. Some people receive a pre-approved credit card offer in the mail, whereas others may need to complete an online form to provide the credit card issuer with basic information. Ways to apply for a pre-approval offer include:
Most major credit card issuers that offer pre-approval have online links to a simple form where you can apply that can be found on the issuer's site. These forms will often ask you to provide basic personal and financial information. Once the information is entered, you may be shown a credit card offer that the issuer feels best fits your financial needs. Your offer may be more personalized since you provide information about yourself. In this situation, you'll need to get pre-qualified first to get pre-approved. Once you're pre-qualified, you may receive a pre-approval offer.
Pre-approved offers, alone, typically don't impact your credit score because the card issuers perform a soft inquiry instead of a hard inquiry before providing an offer of pre-approval. However, if you follow through and apply for a pre-approved offer, the issuer may request a hard inquiry, which would then be indicated on your report and may impact your credit score.
If you go into a Chase branch, they can check to see if you are prequalified for any credit cards. The idea here is not to simply go in-branch to apply for a card, you have to ask them specifically to find any prequalified offers showing for you.
Many people have gone into a Chase branch for an unrelated reason, and the banker would casually mention that s/he sees that are preapproved for the Sapphire card or a different card. I suspect they make money on approvals so they are always on the lookout to offer these to clients who come in.
This preapproval was from a few months ago, sent to someone she knows. They had applied for the Sapphire Preferred card and got denied. A week later they got this invitation-offer in the mail, applied, and got approved.
You might ask why I want Sapphire when I just got Freedom, this is because I travel A LOT (for work and pleasure) and hence the Sapphire card would help me so much better than Freedom.Any help is appreciated, thanks. 59ce067264