Pre-Approved Credit Cards: What They Are & How to Get One

• Pre-approved credit cards are personalized offers based on a soft credit check, indicating you meet basic eligibility.
• These offers do not guarantee final approval; a full application and review of your credit profile are still required.
• Banks send offers based on good credit scores, steady income, and clean repayment history, or you can check online.
• Improve your chances by paying bills on time, keeping credit balances low, and maintaining a healthy credit mix.
• Always check interest rates, annual fees, balance transfer fees, and other charges before accepting an offer.