Received a pre-aproval in the mail and after seeing the decent rates I decided to accept it. After applying I got the 2-4 week review notice which was surprising since I thought I was already "preapproved". After two weeks I received a notice via email that I was declined and would receive a letter in the mail stating the reason. All of my 3 scores are all well above 700 with no baddies or collections and less than 10% credit utilization. All I got from this deal was a hard pull on my credit report that I didnt want. Stay away from this one even if you get the "pre-approval" letter in the mail.