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FEATURED CREDIT CARDS

Mission Lane Visa® Credit Card

Mission Lane Visa<sup>®</sup> Credit Card
  • No Annual Fee
  • Fair Credit
  • Enjoy coverage from Visa®.
    *See Card Terms

Indigo® Mastercard® - $1,000 Credit Limit

Indigo<sup>®</sup> Mastercard<sup>®</sup> - $1,000 Credit Limit
  • Get the credit limit you deserve—$1,000 guaranteed if approved
    Rates & Fees

Milestone® Mastercard® - 1.5% Cashback Rewards

Destiny Mastercard
  • $700 Credit Limit
  • No security deposit
  • Less than perfect credit is ok
    Rates & Fees

Prescreened Credit Card Mail Offers | Advantages and Disadvantages

Prescreened credit card offers can be worth considering if you are looking for a new card, but they are not a guarantee of approval. These mailers are based on a "soft pull" of your credit report, which means a lender has determined you meet some of its basic criteria. This offers you a higher chance of approval, but you must still submit a formal application for a final decision.

Advantages of prescreened offers

  • Higher chance of approval: Since the issuer has already reviewed your credit profile, your odds of being approved are significantly higher compared to a random application. This can help you avoid unnecessary applications that could result in rejection.

  • Better offers: Credit card companies sometimes use these mailers to offer special deals not publicly advertised, such as lower introductory APRs, better rewards, or larger sign-up bonuses.

  • No impact on credit score: The initial prescreening is a "soft inquiry" and does not affect your credit score. A "hard inquiry" that could temporarily lower your score only occurs if you formally apply for the card.

  • Saves time: These offers cut down on the time it takes to research options by showing you cards you are likely to qualify for.

  • Credit-building opportunity: If you have limited or poor credit, a prescreened offer can give you a starting point for rebuilding your credit history.

    • Disadvantages of prescreened offers

  • Approval is not guaranteed: An offer can still be denied if your financial situation has changed since the initial credit check or if the issuer's full review finds other issues, such as a high debt-to-income ratio.

  • Too much junk mail: Prescreening often leads to an influx of unsolicited mail and emails from various lenders, which can be an annoyance.

  • Risk of overspending: An influx of enticing offers can tempt you to open more lines of credit than you need, increasing your risk of overspending.

  • Potential for identity theft: Although the risk is low, there is a possibility of fraud if the offers contain personal information and are not properly shredded.

    • What to do with prescreened offers

  • If you are looking for a card: Review the terms and compare them to other offers you receive or find online. Pay close attention to the interest rate, annual fee, and rewards program to see if it's the best fit for your needs.

  • If you are not interested: Shred the offers securely to protect your personal information and reduce the risk of identity theft.

  • To stop receiving offers: You have the right to "opt out" for five years or permanently. You can do this through the official website [OptOutPrescreen.com] or by calling 1-888-5-OPTOUT (1-888-567-8688).








    • FICO Credit Scores

    A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

    What is a Credit Score?

    A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

    Credit Score Facts

    1. Credit Scores range from 300-850, the higher the better.
    2. Most lenders base approval on your credit score.
    3. Higher Scores mean lower payments and better deals.
    4. Higher Scores mean Lower interest rates.
    5. Scores are determined by 5 main categories:
      • Payment History
      • Amounts Owed
      • Length of Credit History
      • Type of Credit Used
      • New Credit

    Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.


    Security Notice: Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.

    *See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.

    Advertiser Disclosure: The card offers that appear on this site are from companies from which www.Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). www.Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.

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    • Advertiser Disclosure:

    The card offers that appear on this site are from companies from which Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.

    About Our Offers:

    The card offers that appear on this site are from companies from which Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.