Some pre-qualified card offers could be reserved for those who meet a general credit score range. Other pre-approved offers may target those who meet more specific criteria, like the percentage of on-time credit card payments in your credit history.
Some pre-qualified or pre-approved offers might come to you in the mail or by phone or email. These include credit checks from the prescreening or preselection process that lead to pre-qualified or pre-approved credit card offers.
Once you apply for a credit card, an issuer will do a full check—a hard inquiry—of your credit report, which can affect your credit score. This full credit check will help in determining whether you could be approved to get the card.
If there are changes to your credit information in the time between the prescreening or preselection process and when you apply for a card, your eligibility might change too. For example, this might happen if there were any major changes to your employment, salary or debt.
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Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms — and before applying you should understand the full terms of the offer as stated by the issuer or partner itself.
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