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When you apply for a credit card or loan, both terms - pre-approved and pre-qualified - often mean the same: you have been pre-screened and may qualify for a credit card or loan.

As a rule, prequalification means the creditor performed a basic review of your creditworthiness to determine if you are likely to qualify for their product. There are also credit cards with prequalification where you initiate the process of prequalification by submitting some basic information about you. When a creditor pre-qualify you, they may also perform a soft pull, which does not affect your credit score. Once you pre-qualify and decide to continue your application by submitting a full application form, the issuer may perform a hard pull, which can impact your credit scores.

When you are pre-approved for a credit card online, it often means the same as pre-qualified. As with prequalification, getting pre-approved can help you determine if it's worth to continue the application process and submit a full application form.

Look through top prequalified credit cards from our partners and apply online. The Surge® Platinum Mastercard® is a good choice. You will see if you're Pre-Qualified without impacting your credit score and get results in seconds.