DW got a "pre-selected" Citi Simplicity offer in the mail today - kind of the sub-prime version of 12 months 0% for purchases and balance transfers and then 21.24% APR after that. As well advertised the value in this card is 21 months of 0% APR purchases and balance transfers, not 12 months and while the APR is really unimportant for the first 21 months, I'm not a fan of APR's over 20% or really over 15%.
Checked the pre-qualifed offers Citi page, same 12 month offer and a range of APR's so I went in through another site that offers credit card reviews (not sure I'm supposed to mention it in a post, but its one of the ones that comes up on a google search for "pre-qualified offers") and applied. I/we were going for the 21 month offer rather than 12 and she expects to BT 2 high APR accounts - that was the plan at least - I figured she'd get a $3-5k SL, but I know this card can be approved at low limits.
Approved for 21 month terms rather than 12, approved at 16.24% after that - rather than 21.24% and was given a starting limit of $10k. This was all done online, no recon and I/we sure did NOT use the mail offer ref number 