heres an idea

Jam555s

Hi there, if I have a current acc or a mortgage, with a bank, and I get marketing mail, offering a personal loan or a credit card addressed to me as im a customer, and at the bottom it has a promotional code to quote to call, does this mean im pre-approved, or do the company lower their criteria for the promotion, or am I under the same criteria as a non customer,
Also do they only send this kind of marketing to what they believe are there good customers,
The reason is I have a low credit core at the moment and am trying to rebuild

hur575

as far as i know they will still do credit check and might be turned down, once you are in the elctroll you get these marketing materials but some are more specific for certain customers.