- Centurion Member
- Posts: 198
- Joined: Tue Dec 03, 2013 1:53 pm
- Location: Dallas
I do not think that there is a way to know exactly that which card you're pre-qualified for. Even with the pre-qualified invitation, it is still highly likely that you will get the card, not guaranteed. Pending offers would rarely be involved in decision-making.
From what you said about this would be your first card, I assume your credit history is zero. Then in this case, you will need a secured credit card or become an authorized user on someone else's card. Later on, you can apply the following approach to apply another card.
I would suggest that you figure out where you're standing at right now, and which card will fit your needs. Only you can know best about this. You can ask yourself some questions such as:
1/ What is my credit score and how long have my credit history been established?
2/ Am I clear about derogatory marks?
3/ What do I need a card for? (daily use? earn rewards? or social status, well, you know what I'm talking about)
All my posts are my opinions. All my posts mentioned "you" are merely for discussion-purpose only. No advice is given in any post at any time. It is also impossible for me to put effort to verify every statement that anyone has given.