How can I get pre-approved for the Reflex Credit Card? This question is about the Reflex® Platinum Mastercard®

How can I get pre-approved for the Reflex Credit Card?

Answer Question Report Abuse

This question is about the Reflex® Platinum Mastercard®

Chip Lupo, Credit Card Writer

@CLoop • 12/01/22 This answer was first published on 07/13/22 and it was last updated on 12/01/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

You can get pre-approved for the Reflex® Platinum Mastercard® online. Potential customers may also receive pre-approved offers periodically by e-mail. And in some cases, the issuer will send people pre-approved offers for a specific credit card in the mail.

Getting pre-approved for a Reflex Credit Card indicates that your chances of being approved for an account are very high, should you decide to apply. However, note that approval is not guaranteed.

How to Check for Reflex Card Pre-Approval Online

Click “See If You Pre-Qualify” on the issuer’s dedicated page.
Enter your full name, address, date of birth, phone number, Social Security number, email address, and your monthly income.
Check the box acknowledging you know this isn’t a credit card application and won’t affect your credit score.
Click “See My Card Offers” to view any pre-approved offers.

If you are pre-approved online, you will see all of the issuer’s credit cards that will give you the highest odds of approval. However, it may or may not include the Reflex Card. Once you are pre-approved, you can apply for the card of your choice directly from the pre-approval site. To do so, click the button next to the card you want, and you will be directed to the card’s application page.

To respond to a Reflex pre-approved offer received in the mail, visit the website listed in your pre-approval letter and enter the invitation code included with your offer. This allows the issuer to flag the application as pre-approved.

What you should know before applying for the Reflex Credit Card:

Reflex Credit Card pre-approvals do not affect your credit score, as they’re done using a soft inquiry. But if you decide to submit an application for the Reflex Card, the issuer will conduct a hard inquiry. This may lead to a slight, but temporary decrease in your credit score.

Answer Question

How can I get a Reflex Credit Card cash advance?

You can get a Reflex Credit Card cash advance from any ATM, if you have your cash advance PIN. You can request a cash advance PIN by calling 866-449-4514.

Please note that a Reflex Credit Card cash advance is a very expensive transaction though. There’s a high cash advance fee and cash advances are subject to interest charges at the cash advance APR. The interest compounds daily, which means interest charges apply every day on top of both the previous days’ interest and the principal balance.… read full answer

With this said, it's best to only use your credit card for cash advances in emergency situations.

show less

What's the difference between pre-approved and pre-qualified credit cards?

Pre-approved and pre-qualified credit card offers both indicate that a potential credit card applicant is likely to be approved. The terms are often used interchangeably, but their exact definitions are a bit different. A pre-approved credit card offer is when a credit card issuer proactively browses someone’s credit history and decides that he or she is likely to meet the requirements for one of its cards. A … read full answer pre-qualified credit card offer is when someone asks a credit card company to take a preliminary look at his or her credit history to gauge the likelihood of approval if an application is submitted.

Both pre-approved and pre-qualified credit card offers have no effect on your credit standing. They only use a soft pull to see if you’re likely to get approved. But if you decide to apply after being pre-qualified or pre-approved, the issuer will do a hard pull of your credit, which will temporarily lower your score.

Pre-Approved Vs. Pre-Qualified Credit Cards

Category	Pre-Approved Credit Cards	Pre-Qualified Credit Cards
Initiated By	Card issuer	Consumer
Credit Impact	None	None
How to Get	Receive an offer in the email or mail	Check online
Availability	Top 12 issuers	7 out of 12 top issuers

Pre-approved and pre-qualified offers generally provide an 80% - 90% chance of approval. On the other hand, if you get a “pre-selected” offer, it means you fit some general criteria established by the issuer and have around a 70% chance of approval. Lastly, an “invitation to apply” gets sent out based on demographics, not your credit. Such offers have lower acceptance rates because they’re sent to large groups of people and are not as targeted.

show less

What credit cards can I pre-qualify for?

To find a list of cards that you qualify for, check out WalletHub's free CardAdvisor tool.

It looks at things like your credit score & credit history, what you need the card for, etc. and give you a custom list of credit cards, tuned specifically to your needs & possibilities.

show less

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Ask a Question

140

Ask Question

Ask Your Question

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.