You can easily apply for Indigo Credit Card pre-approval online. Just enter your full legal name, address, date of birth and Social Security number on the Indigo Credit Card website, along with your email address and your phone number. After you submit your application for Indigo Credit Card pre-approval, you should receive a decision in a few seconds.
You have to pre-qualify for the Indigo Credit Card before you can officially apply for an account, so anyone who wants the Indigo Credit Card had better learn how to navigate the process. And while you now know the basics, there are some other important pieces of information you should be aware of.
Here’s what you should know about Indigo Credit Card pre-approval:
Although the Indigo Credit Card requires pre-qualification, you still have to submit a formal application afterwards.
Unlike most credit card applications, checking for pre-approval won’t cause a temporary drop in your credit score. That’s because it’s based on a “soft” credit check.
While pre-approval or pre-qualification indicate that you have high odds of approval, they don’t guarantee it.
If you don’t pre-qualify for the Indigo Credit Card, you may be invited to apply for a different card from another bank instead.
If you received an Indigo Credit Card offer in the mail, you can apply online by entering the invitation number quoted on your letter, along with your ZIP Code. Don’t forget that most credit card applications will trigger a hard pull, which may cause a temporary dip in your credit score. So in the meantime, you can sign up for WalletHub’s free credit reports and scores to make sure your credit is in the best possible shape when you apply.
Being pre-qualified for a credit card means the issuer has done a soft pull of your credit history and concluded that you are a good fit. It also means you have an 80%+ chance of acceptance if you decide to apply for the card in question. It’s very similar to … read full answerpre-approval in those regards. The main difference is who makes the first move. If a credit card company sends you an offer, it’s probably pre-approval. But if you check yourself, on an issuer’s website or by visiting a branch, it’s pre-qualification. However, the distinction is small enough that people often use the terms interchangeably.
Some issuers let you check of pre-qualification online, while others only send offers in the mail. And if you don’t want to get offers, you can opt not to receive them at OptOutPrescreen.com But prequalification can be a big help in choosing which card to apply for, since it helps you limit applications to your most likely options.
Here’s what getting pre-qualified for a credit card means for you:
American Express, Bank of America, Capital One, Chase, Citibank, and Discover all let you check for prequalification online. You’ll need to provide your full name and Social Security number. You may also have to provide your birthday and home address. You’ll then be shown which cards (if any) you prequalify for, along with an application link.
If you get a pre-approved offer in the mail, it will come with a code that you can use to respond to the offer on the credit card company’s website. But they’ll also send you a paper application that you can fill out and mail back if you prefer.
Whether you’re pre-approved or pre-qualified, you still need to apply, and you aren’t guaranteed acceptance. But you do have a very strong chance.
Getting pre-qualified for a credit card means you can apply knowing that you probably aren’t wasting a hard inquiry on a long shot. And if you sign up for WalletHub, you’ll get personalized credit analysis with card recommendations tailored to suit your circumstances as well.
The best pre-approved credit cards are really just the top cards that you can see if you pre-qualify for before actually submitting an application. And you can’t check to see if you pre-qualify for one card in particular, at least not directly. Rather, a credit card company will tell you which of its cards you’re pre-approved for. If that happens to include the card you’re targeting, you’ll know your odds of being approved are … read full answerhigh, should you decide to apply. If your chosen card isn’t listed, there’s still a chance you could get approved, but it’s not a good sign.
Checking for pre-approval is definitely a good idea. It lets you gauge your chances of success before risking a hard pull on your credit. And the better your credit is, the better the credit cards you pre-qualify for will be, too. Your odds of actually getting approved when you apply will also be higher.
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