Before most companies send you a pre-approved letter through the postal service, they learn about your credit history. Even if you have less than perfect credit, you can qualify for these pre-approved cards. Check out if the pre-approved credit card is the one you applied for and if you want to accept it, check out the company, its reputation and make sure it's a valid offer. Nrver tell your personal information without first checking out the credentials of the company, otherwise you can walk right into a fraudulent offer. A pre-approved card offer doesn't mean that you will definitly receive a card. So, if everything is all right with this offer, you can make the application, and then it goes to a processing center where a data is entered into a computer system which later check your credit abilities. This credit check is used for final approval or rejection of the application. Final approval is also dependent on your application information meeting issuers standards, so if it is insufficient, you will be declined. Look through the letter very attentively for additional information (a webaddress, a phone number of the bank, etc.). If it contains no explicit contact information, the application is surely a scam.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.