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should i take a preapproved offer?
I just received my first "pre-approved" cc offer in the mail for a $500 limit on a victoria's secret card. I only have one (secured $300) card right now (public savings bank) and understand that I should have a healthy credit mix. I do shop there 2-3 times a year...
Do you guys think this card is worth it?
Asked by
mad1827
5 months ago
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I forgot to add that my fico is 720 as of 2 weeks ago and I don't have any debt whatsoever... thanks guys!
mad1827 5 months ago
You sound like somebody who is responsible with the credit you have, and the Victoria's Secret card would add to the mix -- so why not? I say go for it. Whether the card is worth it, though, only you can say. And you do understand that "pre-approved" doesn't always mean guaranteed approval, so there's always a slight risk of applying and being turned down. But you need to start building, and this is one small step in that direction.
Clairissa 5 months ago