When you receive a pre-approved offer in the mail, you should have all the instructions included with the offer. Please read carefully the package and follow the instructions. But before you accept the offer, you should know that pre-approved does not mean you will get the offer right away. The bank just pre-evaluated your eligibility for this card. You will still need to fill out a full application form and submit it to the bank. And if the bank decides you do not qualify for the offer, you will be turned down. Since your credit score is not good, we would not recommend you accept this offer as PNC credit cards are designed for people with established credit. Instead, we would recommend you look around for a more suitable credit card offer for you. There are a lot of credit cards for people with different credit scores, so you will definitely find an offer for you.