为什么没有reward？mm是说没有开户bonus吧？

其实这些pre-approved的offer除了引诱你申请之外没有什么实质作用，他们想拒你照样拒~

所以除非是自己真的想要申请，不然一律丢掉！

不要。什么都没有申请它干嘛？

要是没有REWARD的话，申请没有太大意义啊，现在REWARD的卡那么多，能省点是点啊

这个是从信用分数介绍的帖子里COPY PASTE过来的，MM可以看一下：

“hard inquiry是损信用分数的，所谓hard inquiry，就是指你授权的为了new credit而让公司查你的信用记录，例如你去citibank主页上申请新卡，或者去店里申请新卡，又或者去dealer那里申请auto loan，都属于一次hard inquiry。相对，soft inquiry是指你自己去查自己的信用记录，银行开户查你的信用记录等等。而信用卡公司给你发的pre-approved的卡是不计hard inquiry的，所以如果你想申请新卡，请格外留神那些pre-approve的卡，从那里申请会让你少一次hard inquiry。所有inquiries会在你的信用记录上持续两年之久，hard ones会影响你的分数。但是无论是hard还是soft，只要你有了新的credit，就会损分数，在六个月之后才能恢复到原先水平”

my husband got the same pre-approved card. It is 0 APR for both balance transfer and purchase for one year. Another good thing there is  no transfer fee. If you got the same offer, you may apply for it, cause you can use your new card to pay other CC. just my two cents

If you read the term along with the pre-approved letter there is always somthing telling you a credit report will be asked when they received your application.

Pre-approved letters won't hurt your credit score. But your submitted application will cause a pull of your credit report and will stay on your report for two or more years (that will hurt your credit score for a short time)