There is a lot of change in the way pre-approved cards work. At one point of time, credit card issuers had to guarantee you a credit card if they pre-screened in your name with one of the 3 credit bureaus. What this implied was that, they couldn't deny giving you a credit card unless something drastic, in the order of your filing bankruptcy, happened in the meanwhile. But there are new laws in place now and the way you get pre-approved cards has changed too.
Now, credit card issuers can ask for extra qualifications before those applying for credit cards can receive their credit card. In simpler terms, credit card issuers are allowed to do a second screening even after the card applicant accepts the credit card offer. This implies that, pre-approved credit cards are not cards where you will be given the card for sure. Instead these are cards, where you have cleared the first test, but may or may not clear the second. However, if you don't feel comfortable with your credit file being reviewed for such offers you can call one of the credit bureaus and block the review. The bureaus share information amongst themselves; so call to one bureau would suffice.
All information presented on this website is subject to change. We do our best to maintain it accurate and up to date. However, we recommend all our visitors to read the credit cards′ terms and conditions on the application page before submitting the application form. Note that this website may be compensated if visitors choose to utilize the links on this website.
CreditCardMenu.com is an independent, advertising-supported website. CreditCardMenu.com receives compensation from the credit companies whose offers appear on our website. Compensation may have an impact on how and where credit products appear on the website, including, for example, the order in which they may appear within reviews. CreditCardMenu.com does not present, nor does it review all available credit offers.
* The CreditCardMenu.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. CreditCardMenu.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the CreditCardMenu.com website are property of their respective owners.
Disclosure: Not an access card.