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Visa Credit Card

How to Get Pre-Approved for a Visa Credit Card By Barb Nefer, eHow Contributor

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When you're thinking about getting a new Visa card, it's nice to get a pre-approved offer in the mail. Often, pre-approved Visa cards include special offers such as zero percent interest during a promotional period or an extremely low rate for balance transfers. It isn't difficult to get pre-approved Visa offers if you maintain a good credit score and don't opt out of promotional offers through the credit bureaus.

Instructions

  • 1. Check your credit reports to see if there is any erroneous negative information that could make Visa issuers reluctant to send you a pre-approved offer. Under the law, you can request a free copy of your credit report from Transunion, Experian and Equifax every year. Get the reports and go through them carefully, making a note of any incorrect negatives.

  • 2. Dispute any erroneous negative information. Each credit bureau will have its own dispute form on its website. If the bureaus cannot verify the negative information, it must be removed from your report. This will make you more desirable to Visa issuers who send out pre-approved credit card offers.

  • 3. Opt in for special offers via the Optout Prescreen website. Optout Prescreen is the official website for opting into or out of credit card offers generated by information on your credit reports. Click the "Opt Out or Opt In" button, select "Opt In, " and provide the required information. This will allow the credit bureaus to provide information about you to companies screening consumers for pre-approved credit offers.

  • 4. Call your bank or credit union and ask if they have any pre-approved Visa offers for their customers. If you have been a good customer for a long time, they may be able to make you an offer.

Tips & Warnings

  • Never sign up for a pre-approved Visa Credit Card over the phone. If you get a call offering you a pre-approved Visa, ask the company to send you information in the mail. If the caller refuses to do so, hang up. Credit card offers are often a cover for phishing schemes. The caller will ask for information such as your Social Security number and other credit cards, supposedly for verification. Instead, it will be used to make unauthorized charges or to steal your identity.

Barb Nefer

Based in Kissimmee, Fla., Barb Nefer is a freelance writer with over 20 years of experience. She is a mental health counselor, finance coach and travel agency owner. Her work has appeared in such magazines as "The Writer" and "Grit" and she authored the book, "So You Want to Be a Counselor."

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Resources

Original source: eHow.com

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