When consumers get notices in the mail about being pre approved for a credit card, it does not mean that they will be approved if they mail in the form. Credit card companies get consumer information from credit bureaus and then they solicit that consumer. This helps credit card companies so they don't waste money just sending out pre approved card offers to everyone. Some may send pre approved credit card offers to those with bad credit even though they may not be able to get approved.

The good news is that even though credit card companies look at credit reports to decide who to send a pre approved credit card offer to, it will not have an impact on your credit unless you apply for the credit card.

If you have good credit, Discover has great credit cards with good terms, cash back features, and many card designs to choose from.

Secured and Unsecured Credit Card Offers for Troubled Credit People

Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit. As a cardmember, you will also enjoy acceptance at millions of locations worldwide, including website purchases and reservations; account information updated and at your fingertips 24/7; email and text messages are available to remind you of your upcoming payment due date with online enrollment. Get prequalified online in just 30 seconds!

* An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly!

* Acceptance at millions of locations worldwide, including website purchases and reservations

* Your account information is updated and at your fingertips 24/7 so you can manage it your way

* Email and text messages are available to remind you of your upcoming payment due date

* On-call customer service representatives to assist you with questions or concerns It is our goal to offer you the credit card that best fits your credit profile based on your consumer credit report and other information you provide us. You may be offered a secured card or an unsecured card which will be disclosed before your application is processed.

Apply for the Green Dot® Gold Prepaid Visa® Card

* FREE $0 Activation Online – with NO credit check!
* FREE Cash withdrawals at over 15,000 participating ATMs
* FREE Online Bill Pay & Direct Deposit
* NO Monthly fee for any month with at least 30 purchases
* NO Transaction fees on US purchases
*See Card Terms and Conditions

AccountNow Prepaid MasterCard® Card is a pre-paid card that can be used anywhere MasterCard® is accepted.

* 100% guaranteed approval*

* Free Online Bill Pay

* Free credit builder when you use Online Bill Pay

* $25 Bonus when you set up for Direct Deposit

* This is a debit-card, not a credit card

* No credit bureau check

* No minimum balance* No late or overdraft fees

* No checksystems checks

*See Card Terms and Conditions

Credit Card Tip:
February 2012 Black cards, reward credit cards,Cash back cards, knowing which card is right for you can be frustrating. Getting approved for unsecured credit cards may not be easy for people with bad credit. It may take rebuilding credit using a prepaid MasterCard or Visa card first and later getting approved for a major unsecured credit card.