Pre-approved Credit cards?

There should be "opt out" info on the application (Check the back). This will make it possible to opt out of all offers.

BTW, your credit can't be too crummy, or you would not be getting pre-approved offers. But be careful of the offers you accept.

I have the same thing going. They all do have the opt out option on the bottom. But I keep them because I know my credit is getting better. I always get denied and recently I've been gettin gofferes. I now have two credit cards that are paid on time and it's reflecting on my credit. Be careful because some of them have membership fees which you should never take a card like that. The interest will be high on these offers but it's good to have a card for emergencies.

Pre-Approved Credit Cards would most likely be SECURED credit cards, with one of those you never get denied and they report to credit agencies so they are great to get started when your FICO score isn't great. RE: Pre-Approved Credit Cards? I’ve been wanting to get a CC for a little while but I had a mark on my credit 3 years ago, I paid off the debt in full but of course it haunts me still. I’ve applied for one CC and was denied, but t...

go to http://www.optoutprescreen.com/

This will stop the credit bureaus from giving blind access to your information for pre-screened credit offers. You may still get offers, but none will have screened your credit first.

This lasts 3 years, I believe. I've also heard anecdotal evidence that your credit scores can get a 15-20 point boost from doing this, since you will be less likely over the next few years to take on new credit.

No. Credit card companies buy your name and address from the credit bureaus based on selection criteria that they set up. If you meet those criteria for whatever reason, you will get the solicitation.