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SimplyChecking123

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If I had bad credit history with a credit card, why this card sends me a credit offer?

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It is known as "bulk mailing" where companies send out numerous offers in the hopes they will get some new clients since they do make money on credit cards.  They do not investigate the names of the people before sending out offers.

Top Contributor
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It depends on many factors. What issuer it was, what "bad" history it was, what was outcome of that account, how long ago was it, in what way(s) you received the offer, was thru Credit Karma or your mail box, did the offer has an specific interest rate, if that card has range of interest rate, have you tried use their pre-qual site, somewhere on the offer has box out line the "Opt-Out" option/instruction with phone number (I think it's 1-888 or 855 number can't remember exactly)?, on and on and on... CapOne is more forgiving than... say AmEx/Discover/Citibank, The legitimacy of the offer would highly depends on One's situation. 

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