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Facts about "pre-approved" offers

Airline and tour operators are looking for ways to make you a tailor-made offer on the basis of your web research and past shopping. Card publishers do something similar - they are sending you "pre-approved" offers on the basis of your credit history. If you request a loan, it will leave a data set on your credit reference.

Of course, the creditor you are seeking can see your credit card usage, but so can other creditors along the way. They may use the information on your credit reports to provide you with extra items - such as a new credit card or consumer credit - in the shape of a "pre-approved" offering that prompts you to submit a formal job request.

Knowing how these businesses work before you submit your application will help. Personalized offers can be useful. National Debtline consultant Dennis Hussey said the vast majority did say that they were "pre-approved" for a particular business it will be available for sale, provided the controls identify and combat cheating. Doing so will help candidates prevent a blind application for tickets for which they are not eligible, which may result in you requesting too many tickets.

There are too many uses in a hurry to speak against you because it can make you look frantic for loans that don't look good for other people. Part of the puzzle is removed by the pre-approved bid. Andrew Johnson, monetary analyst at the Belgian Financial Advice Service, said, however, that pre-approval for a credit card does not necessarily mean that your credit request will be a success.

As a matter of fact, you won't know if the job interview was a success or if you are entitled to the job interview offered until you have completely finished the work. "It' likely that you were chosen for mailings due to a weak credit score (one that leaves no imprint on your credit file) or restricted information generated some considerable amount of ago," Johnson said in an email reply to queries.

However, if a bank uses obsolete information on the basis of your most recent loan request and your finances have significantly altered since then, you may no longer be able to obtain the business offered to you. "You may have applied for another one a long time ago," says Andrew Hagger, MoneyComms Information Services Manager.

" In addition, lenders will only be required to give the advertised rates to at least 51% of succesful apps, Johnson said. That means that you may be given less favorable conditions than the transaction you initially made. Causes why you might be rejected are the default on an bank account, the incurrence of more debts or lack of payment on a credit balance.

There are no pre-approved offers? If you are not pre-approved for a credit card and want to know how much credit you can get without making a full request, a "soft search" might be the solution, says credit analyst David Black of DJB Research.

Software search allows you to see which credit product is right for you without affecting your scores - in other words, without submitting a full job offer that will result in a tough draw on your scores. "is different from a full search," says Schwarz. "It' not a complete request and will not be in your credit record, and the big benefit is that you know what kind of credit you can get without affecting your prospective use.

" A few creditors, such as Barclaycard, allow you to perform an Initial Search that does not appear in your database, he says, by using an authorization verifier. Whether you receive already authorized offers or not, you should always do your research before you apply for a card. "When you' re considering a credit card bid, take the opportunity to check all available stores before you apply for a loan," Johnson said.

"Excessive credit requests over a brief timeframe can have a negative impact on your credit value and make it harder for you to apply for more credit. How do bankers profit from long remittance offers?