Only when you actually apply for a card does the issuer run the "hard" check that can knock points off your score. What credit cards can you pre-qualify for? Most major credit card issuers offer pre-qualification for at least some of their cards. See the table on this page for links ...
Keep in mind that when you submit a prequalification form, you may prequalify for several cards from that issuer. For instance, your results could say you're a great candidate for theBlue Cash Preferred® Card from American Expressand theAmerican Express® Gold Card. Once you see your op...
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Or they may come from issuers that specialize in “instant-approval” cards, which tend to carry extremely high fees. Review any preapproved credit card offer you receive skeptically before applying to make sure it’s the right choice for you. If you’d prefer not to get prescreened offers...
Which Credit Cards Should You Apply For Next? Credit Card Application Rules Vary By Bank How long does it take to get approved for a credit card? For most people, if you qualify for the credit card you’ve applied for, you will be approved instantly. People who are borderline or...
Does pre-approval for credit cards mean I’m approved for a credit card?No, pre-approval doesn’t mean you’ve already been approved for a credit card. Credit card pre-approval just means that you might be a good candidate for an offer based on the credit card issuer’s initial ...
or that the issuer has reached out to you to let you know you may be approved for a particular card if you were to apply. The credit card issuer may then looks at your financial profile and shows you credit cards and offers that you might qualify for. It's not a guarantee that...
A student may qualify for a credit card, but should you try for one? Not before you readthe good, bad and ugly of student credit card. Students having low or absolutely no credit history can have these credit cards. But again be careful in choosing which card to use since some of them...
» MORE:Credit cards that offer pre-qual or preapproval without a hard pull How soon will I know if I’m approved? The answer depends on the type of method you use to apply. When applying online, you might find out almost immediately, within seconds. Other methods, like applying by ...
5. Prequalify without hurting your credit If you’re unsure whether you’ll be approved for a card, you can get prequalified without a hard inquiry on your credit report. Many card issuers let you check for preapproval or prequalification for certain cards. Note that it doesn’t guarantee ...