Prescreened Credit Card Offers And Your Credit - The Credit Pros

Prescreened credit card offers are based on a soft credit inquiry by lenders using criteria set with credit bureaus, which doesn't affect credit scores. Consumers can opt out via OptOutPrescreen.com to prevent their credit information from being used in this way, either temporarily for 5 years or permanently, but opting out won't improve credit scores. Prescreened offers don't hurt credit, and credit card offers typically include benefits like cashback or EMI options.