My question is about prescreened credit card offers. I've been getting several in the mail lately, and I'd like to hear your thoughts on them. Several websites say they're a near "sure thing," which is really what I'm looking for.
I don't have much credit history, and my score sucks because of it. My name is on my parents CapitalOne card, but I don't have any myself. I have student loans and a car loan that I've paid on time every time, but no credit cards. I make $100k a year, my fico is like 650ish, and I have ~$50k in student loans. I really want to improve my credit score, so I want to get a card.
The offers are for chase slate, citi diamond preferred, and amex gold. All say prescreened, selected to apply, etc. I don't want to hurt my score by applying and getting denied, so what are my options?
Thanks in advance!