For the past 3 years I have gotten many credits cards( 15 +) that I have applied on my own. However, since I belong to several credit monitoring sites such as Credit Karma, Nerdwallet, Wallet Hub, Credit wise, etc, etc, I am always being offered pre-selected, pre-approved or pre-qualified offers to apply for credit cards based on my excellent credit profile I have with all these sites.
However, FYI every single time I have accepted these offers within the last 3 years and applied for any given credit card that I was told I would have “Excellent approval odds”, or “very good approval odds” over the past 3 years, not once have I been approved for a single credit card under these offers. Not a single one.
I have a Fico score of 800, Experian score of 850, Transunion score of 789 and owe less than 1% of my available credit lines(over $200,000) since I always pay my bills in full. I also make over $300 K per year .
However when I have applied on my own for many of these same credit card offers, I have gotten approved instantly. So the moral of the story for me at least is that if I am offered any pre-selected, pre-approved or pre-qualified credit card offers, I know not to even try as I know I will automatically not get approved. Go figure!!