<HTML>"We all know that it is difficult to get a new credit card without any background credit history check, which is why most people get excited when they receive a pre-approved credit card offer in the mail...Unfortunately, they have no idea that the offer is really a gimmick used by credit card companies to get people to apply for a card with less favorable terms." Read the full story <a href="http://askmen.com/money/investing/26_investing.html">here</a>. </HTML>
