You’ve likely received a “preapproved” credit card offer in the mail before and tossed it directly into the trash. Preapproved credit card offers are actually legitimate offers, though. Credit card issuers send a lot of these offers to people they’ve identified as good potential customers, either by running a soft credit pull — that means accessing a limited portion of your credit history without impacting your credit score — or by purchasing a mailing list from one of the three credit bureaus
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If you get one of these offers, it’s fair to assume that your credit…
