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An actual pre-approval requires a hard credit inquiry, which you have to agree to let the lender make because it affects your credit. ... This kind of prequalified offer isn’t a useful ...
For example, if you’re approved for a credit card and offered a credit limit of $10,000, you’ll want to make sure that your monthly statement typically stays below $3,000. If your credit ...
"If you look at the low-end cards [for people with poor credit], as low as 80 percent of people who are pre-approved actually get approved," says Greg Lull of CreditKarma. "Especially in the low ...
Beyond that, it’s critical to ensure that the credit card meets your other needs. For example, you might opt for a cash-back credit card or travel rewards credit card. The right choice boils ...
But physical junk mail is a bit tougher to disregard -- especially when it's a big, bulky envelope from a bank with a pre-approved credit card. Alamy Spam email is easy to ignore, delete, or ...
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