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franl5

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if i apply for card thats pe approved does it create a hard pull

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Yes, nearly all credit cards applications create a hard pull.

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Pre-approved is no guarantee

The truth about those pre-approved offers is that it only means that you are on a mailing list that met certain qualifications when it was compiled.  That could have been a year ago and your personal siutuation has certainly changed in that time.  

Don't apply for any credit unless you have a reasonable chance of getting approved.  

Your criteria should be: your score is near or above 700, Your debt ratio is below 20% and you have not applied for new credit in the last 6 months.  If you aren't sure what those are, then educate yourself with the articles and blogs here on CK about how you manage your credit. 

They don't give to credit to those who need it at the moment. They give it to those that have proven that they have managed it in the past.

Good luck  

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