Getmyallycard.com Reservation Number Approval Offer

The former website getmyallycard.com is no longer used for Ally Bank credit card offers; users with mail offers should use cardapply.ally.com. To apply with a reservation number received in a mail or email invitation, access the current application portal at cardapply.ally.com and enter your unique reservation number and access code.

1. The Pre-Selection Process

• Soft inquiry: Ally first sends criteria to credit bureaus to identify potential cardholders. This uses a soft inquiry, which does not affect your credit score.
• Targeted offer: Based on this initial screening, Ally sends an invitation, typically through physical mail or email, for a specific card product.
• Invitation-only: Ally credit cards are generally not available to the public; you must have an invitation to apply.
• Code-specific offer: The invitation is for a specific card, and you cannot use the reservation number or access code from one offer to apply for a different card.

2. The Application Process

1. Locate your codes: You must find your unique reservation number and access code on the invitation letter or email.
2. Visit the portal: The invitation directs you to Ally's official and secure application portal, cardapply.ally.com.
3. Enter your details: On the website, you will enter your reservation number and access code to begin the application.
4. Confirm information: The application will prompt you to confirm your personal and financial details. You'll need to provide information such as your full name, address, date of birth, Social Security Number, and annual income.
5. Hard inquiry: Submitting the application triggers a hard inquiry on your credit report for a final review. This may cause a small, temporary dip in your credit score.
6. Instant decision: Ally can provide an application decision in as little as 60 seconds. In some cases, the application may be pending if additional information is needed.

3. After Approval

• Card delivery: If approved, your physical card will be sent to you by mail, typically arriving within 7 to 10 business days.
• Activate your card: When you receive your card, you will need to activate it before you can begin using it.
• Online access: Once you have your card, you can enroll in online banking at ally.com to manage your account, make payments, and set up automatic payments.

Important Considerations

• Approval not guaranteed: Receiving an offer does not guarantee final approval. The final decision is based on a full review of your credit history, income, and overall creditworthiness.
• Avoid carrying a balance: Ally credit cards often have a high variable APR, so it's best to pay your balance in full each month to avoid costly interest charges.

Ally Bank sends credit card offers to individuals across a wide range of credit histories, from bad credit to good credit. Which credit type they are targeting with a specific mail offer depends on the card product, as Ally offers cards for different credit tiers.

Alternative Credit Card to Consider

If you haven’t received an Ally pre-approval offer, or want to explore additional options, the following card may help you build or improve your credit.

You can also explore more credit cards for fair credit to compare additional options.