Clients that have been with the bank for 60 days or more, with no credit card from this bank and are eligible for a pre-approved credit card and credit limit. Based on the current information the bank has on file, including their income, employment and credit standing.
This is a pre-approved offer, but clients are required to confirm income and employment and are subject to an adjudication process where they will have to agree to a hard credit check for approval. Only one card is available in the offer and after the adjudication, some clients may be eligible for an upsell or downsell credit card, depending on the initial card they were offered and if it belongs to a family of cards.
HMW encourage clients to feel comfortable with a pre-approved offer that requires adjudication to fulfil the offer?
Users felt misled by the term Pre-Approved and as it did not align with their expectations. This was further emphasized by the "Apply" CTA, as users thought that they would simply just have to accept the card and that would be it. Solution - pre-approved, is a term used across the bank, therefore removing the term was a problem beyond our work. Therefore, emphasis in seeing the value of the card through the content was emphasized. Also the term "apply" was removed and instead messaging around moving forward was used.