Getting offers for credit cards can be useful if you're shopping for a new card. Credit card offers let you compare options and limit the risk you'll be turned down. If you're in the market for a new card and wondering how to receive credit card offers, there are a few things you can do to start the process.
Step 1
Opt in to receive credit card offers by visiting OptOutPrescreen, a site that lets you subscribe and unsubscribe to credit card offers.
Step 2
Check your credit report by requesting a free copy--you can get one from each of the three major credit reporting bureaus a year under federal law, for a total of three reports a year--at AnnualCreditReport. Check for errors that could lower your credit score. If you see an error, send a letter describing the discrepancy and include copies of back-up information, such as receipts, to the credit reporting bureau to dispute the mistake. The reporting agency will investigate your claim and remove the incorrect information if they decide your claim is valid.
Step 3
Pay your bills on time to maintain a good credit score. Most credit card offers are made based on a set credit score so the higher your credit score is, the more likely you will be to get credit card offers. In most instances, a credit score higher than 700 is considered good, though different card offers may screen based on a higher or lower credit score.
Step 4
Stay at the same job and address for more than a year. Some credit card companies look at these stability factors when deciding whether or not to offer you credit.
Step 5
Join alumni associations, professional organizations and other groups. Professional memberships may make you eligible for certain credit card offers.
Tips and Warnings
- Credit card offers come based on a set of minimum criteria, and you may have to meet other requirements to qualify for the card. Just because you receive a credit card offer doesn't mean that you'll be approved for a card. Though agencies use your credit report to determine whether to send you a credit offer, their inquiries don't show up on your credit report so they won't affect your credit score. If you decide you don't want to receive any more credit card offers, you can use the OptOutPrescreen website to opt out.
- Be careful about disclosing your personal information in response to any credit card solicitation. if you're unfamiliar with a credit card's issuer, research to learn more about it before choosing the company's credit card.
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